davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP ()

During my tour in XXXX I had several issues with XXXX XXXX housing. The move out charges that are quite expensive and often lowered once they are confronted about the discrepancy of their claim. In XXXX, I paid this move out fee, with email confirmation from a representative from the housing office confirming that we were paid in full. I also have the bank statement showing the money was paid. During the month of XXXX to XXXX I started receiving letters from a law firm requesting that I pay my debt to XXXX XXXX housing. They claim that I owed {$250.00} but provided no justification to my debt. I was unable to contact the law firm and every attempt to reach out to XXXX XXXX housing was met with silence. I did reach out to a community service rep from XXXX XXXX XXXX who claimed that she forwarded my email to the higher office but I never received any further correspondence. I sought out assistance from the legal assistance office here in XXXX who has also been unable to contact the collection firm or the housing office.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

my wife applied for an XXXX credit card that had a sing up bonus of XXXX points after spending {$1000.00}. We spent the {$1000.00} and did not receive the bonus. I called XXXX and they said my wife had received the bonus 2 years ago and could not receive it again. My wife applied for this card for the bonus and XXXX should have denied the application if they could not honor the bonus advertised..
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (GA)

This is my second complaint on this issue. Please see case # XXXX. My original complaint was because I was not able to get an answers from Amex about the reward points that were in my account. I was told my account was locked for review but no one explained why. 
Amex responded to that complaint with a letter stating that my account was under a standard review and that the points would be available XXXX-8 weeks form the date the spend was met which was XXXX XXXX. That date was in their letter. 8 weeks ended on XXXX XXXX and the points are still not available. I have spoken to numerous people in customer service and membership rewards ( XXXX ) and noone knows why my account is still under review and they state they are unable to connect me with anyone who can help. Today I was told I needed to talk to someone at corporate and " that I would need to figure that out on my own. '' Seriously? This is what Amex calls customer service for a platinum card? I am still waiting for the call back that I requested 2 weeks ago. I am trying to book a trip on XXXX XXXX in XXXX class on a promotion they have now for XXXX points to go visit my son in XXXX. That promotion ends today. I have spoken to over XXXX people in the past 3 days trying to get this resolved and have gotten nowhere. I am beyond frustrated and seriously disappointed with the lack of help from XXXX XXXX Amex.
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (PA)

I am in dire need of your help. My credit was ruined as a result of suffering from " HURRICANE XXXX '' in XXXX XXXX. The Flood insurance only reimbursed me {$23000.00}. after I had submitted all the paid receipts for work I had to have done on my house and all of the losses that occurred, totally over {$120000.00}. ( my house still is not finished, because I ran out of money ) By XXXX XXXX my22.5 year marriage ended, & mostly due to the financial impact from the Flood insurance. So now I am divorced & living in an unfinished house that I had put a tremendous amour of money in to repair & it 's not even worth what we paid for it, {$560000.00} in XX/XX/XXXX. I desperately need to re-fi but my credit is not good enough. My mortgage ( {$380000.00}. ) is at 4.5 % & a XXXX ( {$53000.00} ) at 6.99 %. If things do n't get better I will lose my house. 
I have worked very hard at cleaning up my credit but I just do n't seem to get a head because of things I can not control or understand. There are numerous problems with this CREDIT REPORTING SYSTEM, but for now I am only addressing this XXXX instance. 
I subscribe to XXXX credit reporting agencies on line, XXXX is " XXXX '' & the other is " EQUIFAX ''. I watch my credit scores & the reports closely & earlier in XXXX according to EQUIFAX MY SCORE WAS # XXXX & on " XXXX '' it was # XXXX, under EQUIFAX. WHY ALL THE DIFFERENT SCORES FROM THE SAME PLACES IS BEYOND ME, & VERY DIFFICULT TO WORK WITH, NEVER KNOWING WHAT IS CORRECT! ( but that 's a different topic ) XXXX of the necessary things I need to do is establish NEW CREDIT. I looked up & found that with my scores I would be able to acquire a CREDIT CARD from XXXX XXXX. I applied & to my surprise I GOT REJECTED! I got rejected because when XXXX XXXX inquired about my score FROM EQUIFAX, THEY REPORTED MY SCORE AS XXXX! I NEVER WOULD HAVE APPLIED IF I SUSPECTED THAT THEY WOULD REPRT SUCH A DIFFERENT SCORE THAN THE ONE THE GAVE ME! I called EQUIFAX, & explained what happened & they did n't know why. They knew my score was higher than XXXX but they did n't know why they told XXXX XXXX it was so low. Then they gave me a phone # to tell XXXX XXXX THAT EQUIFAX MADE A XXXX & THAT XXXX XXXX COULD CALL & VERIFY THAT IT WAS HIGHER. XXXX XXXX, thought I was stupid & told me that they were not going to call EQUIFAX! 
And the BEST PART, AFTER I WAS REJECTED, EQUIFAX LOWER MY SCORE FOR TRYING TO GET A CREDIT CARD. 
I have attached all the pertentant documentation. Thank you for your help. I look forward to hearing from you! XXXX
Consumer complaint received 2017-11-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Regarding case # XXXX Hi, on XX/XX/XXXX I have transferred an amount to Coinbase.  After several days this amount still was n't processed. I have contacted them through their customer support. The reply I got was that the name/account did n't correspond with their account details and thus, the money was supposedly returned to my bank account. After a week the money still was n't returned and I started to send messages to follow up this matter. A very late response ( after a week ), they needed my details to investigate the matter. 

Each reply I got from Coinbase it took several days. I almost immediate responded, but then the response kept being longer and longer. The attachment I enclosed is the proof. 

It 's been almost 2 months now and the money still have n't returned. Their last reply was from 2 weeks ago. this casenumber XXXX as stated above is from Coinbase itself. There they find ALL the details of the transaction. I ca n't imagine any professional company that holds onto other people 's money for such a long time.
Consumer complaint received 2015-12-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MT)

We receive multiple daily calls from this company, even though we have told them we are not the persons that they list. 
We have told them on multiple times they have the wrong number and they say they will stop calling, but they continue to call daily.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

My husband and I entered a lease agreement renewed XX/XX/XXXX. It was written for 13 months period. I was informed it is against the law to have it drawn up the way it was, after signing moving into another apartment under different management. The problems associated with the balance was at move in. There were problems with the uneven floor boards, the buoyancy of the flooring was unstable and there was a transferred water bill that the company did not want to resolve. It was attached to the water bill for XXXX. I have disputed it with the company via certified letters. I also went to speak with then manager ( XX/XX/XXXX ) but there was not one on the property. As of today, it was moved into an installment status until XX/XX/XXXX.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

I signed up for the XXXX XXXX credit card from Citibank about two years ago. At the time of enrollment, the card offered a free night certificate upon cardmember anniversary date, if I had spent {$10000.00} or more in that year on the card. Based on my spending during the past year, I qualified for the free night certificate when my anniversary date came up on XXXX XXXX. I did not receive the certificate, so I contacted Citibank. At first, they claimed that I did not qualify for the certificate since my spend had n't occurred in the period between the date when my annual fee hit ( which was in XX/XX/XXXX ) and the end of my cardmember year. I told them that I was told that the eligible period was in fact based on my card opening date, not the date when the annual fee hits. Otherwise, cardmembers would have less than a year to qualify for the benefit. 

I received a message from Citibank, via their secure message system, that I had indeed been given incorrect information and that I did qualify for the free night certificate. They informed me that the certificate should come directly from XXXX, so I contacted the hotel company. The hotel company reached out to Citibank, and was informed by Citibank that I did not qualify for the free night. 

Based on my spending, which is completely tracked by Citibank, and also the message I received from a senior account specialist at Citibank, I did qualify for the free night certificate. I 've reached out to Citibank about five times already to resolve this issue. Earlier this week, when I reached out yet again, I was told that an internal team would look into the secure message, and they would get back to me within 3 business days. That time period has lapsed, and I 've yet to hear anything from Citibank. 

My request is that Citibank honors the offer it advertised at the time of my account enrollment. It is unfair for them to expect their customers to put in all the effort to receive a bonus that they earned, and that Citibank should proactively award. My cardmember anniversary date occurred almost 3 months ago. It is unfathomable that it would take this long for me to receive my benefit. One could argue that Citibank is intentionally dragging this out so that I can not decide to close my account within their grace period for receiving a refund on their annual fee. I had no intention of closing my account - I simply want Citibank to honor its promise.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

My name is XXXX XXXX XXXX XXXX XXXX and XXXX for the XXXX XXXX XXXX XXXX XXXX. Please Consumer Financial Protection Bureau, its time to stop the lies from lending institution like Ditech, reported by one of your report to Congress as the third worse servicing company. 

Again Ditech has no internal issue, the only issue with Ditech is that they generate INN letters to cover themselves from complaints and government they have that capacity but do not send them to the clients. 

Again I have sent cover fax pages of the many times we have sent packages to them and they totally ignored all of them by calling them an internal issue. They want to work with our client, but the XXXX number is not working and no one answer their phone in the meanwhile their attorneys eager to get this XXXX XXXX house sold on the XXXX, XXXX. The sale date cancellation was due to a defense presented by our firm, not Ditech, they were totally oppose to stop sale. And yes sale date is onthe XXXX, XXXX and look what we have received from them, last letter dated XXXX XXXX, XXXX. Additionally, two letters received by Ditech dated the same date on XXXX XXXX, XXXX, this file was underwritten the same day? Let 's stop the fraudulent activities.
Consumer complaint received 2015-04-29
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

This collection agency got my medical information and should n't have. I signed statements on all XXXX accounts they have on file that I was indigent when the medical visit to the hospital occurred. I also did n't give the doctors, labs, hospitals permission to disclose my information to this collection agency. They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They once called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information illegally. I was on food stamps for a few months, applied and was denied unemployment, and was very poor when I visited the hospital XXXX times in 2 years. Everyone who sent me a bill from the hospital stays was informed that I was indigent at the time. No collection agency should have been given my medical financial information. 

This company has filed XXXX accounts on my credit report, even though the original dept was taken off my credit records. I disputed these accounts, yet they stayed on my record and continue to harass me every day.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Siggi LLC (GA)

Violation of Fair Credit Report Violation Act Omni military loans pursuing pro charge off interest on a account for over 6 years without sending periodic monthly statements on account to customer. The creditor should mail or deliver periodic statements as required by 612 C.F.R section 226.7.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MO)

I am filing this complaint against XXXX. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account
Consumer complaint received 2017-09-14
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. (MI)

In XXXX XXXX it was announced that Equifax Inc. systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Not only did they wait over a month to relay this information because the hack was in XXXX they are not offering sufficient protection for the leak. They are offering 1 year of a credit protection service that after the year they will start billing you for without notice. In addition they charge if you would like to place a freeze on your credit. Other credit reporting sites are also making it harder to freeze your accounts by trying to sell you credit monitoring when you go to their sites to freeze your accounts.
Consumer complaint received 2015-04-17
Product: Credit card — 
Issue: Other — 
Company: BBVA FINANCIAL CORPORATION (CA)

On XXXX XXXX, XX/XX/2015 I applied for the BBVA Compass Bank XXXX credit card. The following morning, I was contacted to verify my name, address and social security number. On XXXX XXXX I received a letter stating the terms and conditions and balance transfer checks. On XXXX XXXX the card came, which I activated at that time. The next day I attempted to make a purchase which was declined. When I contacted BBVA I was told the account was under review, but not given any time frame or further explanation from the Bank. On XXXX XXXX I was advised by a CSR that my account has been closed because they were unable to verify my identity.
Consumer complaint received 2017-11-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I received a phone call from a process server trying to reach me to serve papers for a civil case. This is a debt that is from 2005. I have not had any communications with this company previous to today. The person on the line by the name of XXXX with XXXX XXXX was very abusive and insulting. They advised me that I am being sued for a debt of XXXX for a car that was financed for XXXX with payments made for 5 years prior to repossession. The amount owed after repossession was XXXX which I recall was paid in full.
Consumer complaint received 2017-09-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX points were deducted from my credit score once again by Transunion and XXXX in regards to my Federal school Loans. Each account drescribed my Point deduction to be because of a minimum Balance increase on 4 of my XXXX accounts I have received no notification of such action.
Consumer complaint received 2016-12-07
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I have a loan with a company called One Main Financial in the city of XXXX, CA. I received a call from a representative by the name of XXXX. I have been attempting to apply for a loan deferment for XXXX weeks. The reps at the branch have stated they have emailed me the deferment form but I had not received it. Finally, on Wednesday, XX/XX/2016 XXXX stated she is handling my account and that " I better get the form in ''! She became irate when I told her she was speaking to fast and I was unable to understand her words. XXXX then stated " hold on! ". She Abruptly placed me on hold ... When I advised XXXX that she was being rude, she in turn told me I was the XXXX being rude and hung up in my face. I called the One Main XXXX back, XXXX again answered the phone. I asked for a manager, she stated there is no manager and declined giving me the name of a manager. XXXX then hung up again. I have been a customer with One Main for some years. I have always worked with XXXX. She is extremely pleasant. The Service provided by XXXX was very unprofessional and disgusting. This is not reputation that One Main Financial should want for their bank.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

Experian Credit Report shows a hard inquiry from XXXX XXXX in XX/XX/XXXX. I know for a fact that I have n't authorized anyone to pull my credit since XX/XX/XXXX. Contacted Experian and they said I have to contact the company directly. Called the number listed on the Experian report and the number is disconnected. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.