davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (MS)

I contacted American Express today to find out why I did not receive the XXXX refer a friend points, as promised by a previous customer service representative. Unfortunately, this was the WORST customer service experience EVER! I initiated the call with XXXX ( Agent ID XXXX ). XXXX was ARGUMENTATIVE, UNPROFESSIONAL, AND XXXX! XXXX REFUSED to allow me to speak with a manager and she REFUSED to provide me with a contact number for the corporate office in the United States. However, she did allow me to speak with her supervisor XXXX ( Agent ID XXXX ). Unfortunately, XXXX 's customer skills are WORST than XXXX 's. Like XXXX, XXXX REFUSED to let me speak with an English-speaking manager in the United States and he REFUSED to issue the XXXX points. However, XXXX did provide me with a fax number and mailing address for AMEX. Why do I need to write a letter? Why ca n't I pick up the phone and speak to someone? I did not have to write a letter to apply for this sorry XXXX credit card! Nonetheless, when I asked to speak with a manager, XXXX transferred me to XXXX ( Agent ID XXXX ). XXXX was EXTREMELY RUDE! She stated there are procedures to follow to get the XXXX points. I told XXXX I followed the procedures to the best of my ability, as they were extremely vague. XXXX continued to TALK OVER ME and REFUSED to help. Therefore, I asked to speak with a manager in the United States. XXXX transferred me to XXXX ( Agent ID XXXX ). XXXX REFUSED to help me. She REFUSED to give the contact information for the regional manager " because they do not take calls. '' Also, XXXX REFUSED to give me a contact number for AMEX Corporate Office. XXXX stated she is in XXXX XXXX, XXXX and she is the highest person that I can speak with. I told XXXX I am going to contact the XXXX and the Consumer Financial Protection Bureau. XXXX stated, " Whatever suits you. ''
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERISAVE MORTGAGE CORPORATION (KS)

When I signed my loan docs with Amerisave Mortgage the contracts said : " You have the right to request that the PMI be canceled, at your option, on either of the following dates ( " the cancellation date '' ) : ( XXXX ) The date the principal balance of your loan actually reaches 80 % of the original value of the property, based solely on your actual loan payments. '' I contacted them inquiring about paying down my loan so I could attain XXXX % equity and now they sent me a letter saying I must have approx. XXXX % equity before I am allowed to cancel the $ XXXX/month PMI payment. I have called multiple times to address this and they will not comply with my loan contract.
Consumer complaint received 2016-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aargon Agency, Inc. (CA)

This company was sent a letter certified mail to verify debt. They responded with a letter that had a copy of a contract with my name typed on it. Anyone can go on a computer and type my name a contract. I want valid proof that I incurred this debt like transaction records. Something that I did like a copy of a credit card transaction with my name on it. Otherwise I do n't see this debt as being valid.
Consumer complaint received 2022-04-18
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. (FL)

XXXX In response to my complaint XXXX You responded XXXX service the Federal Stafford Loan that was disbursed in XX/XX/1997 for XXXX XXXX XXXX XXXX and there is no record of payment for this loan paid in full. In response to your reply : Do you XXXX have ( 1 ) proof of a signed documents, ( 2 ) copy contract or invoice XXXX XXXX XXXX for XX/XX/1997 with actual signature? ( 3 ) If you " XXXX '' can not prove with more detail information besides of loan disbursed with amount now owed {$1600.00} and date provided XX/XX/1997 from the original creditor. I never gave consent as a consumer to XXXX reporting anything As stated below in Accordance with Fair Credit Reporting Act In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681 Account XXXX 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 2016-05-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

XXXX I opened the Citi Gold Checking account through a promotion offering XXXX XXXX XXXX miles. I completed the application using the appropriate promo code and took screenshots throughout the entire process detailing the promotional offer and the rules concerning it. I had to spend {$1000.00} on the debit card and complete XXXX bill pays within three months. 

After the application was approved and I had created my online access, I sent a secure message to confirm that the promotional offer was indeed attached to my account and to reconfirm the promo rules. The secure message agent at Citi confirmed the promotional offer for the XXXX miles was attached to my account. A few days later I chatted with a Citi agent to check on the progress of my promotion and what I had completed so far. Again I was assured the promotional offer was attached to my account and I was told I had charged a few XXXX dollars to the debit card and had completed XXXX bill pay. After completing the requirements XX/XX/XXXX, I sent another secure message to Citi to inquire how long it would take for the miles to post. I was told by this agent the following : " I have submitted an investigation to confirm you have completed the required behaviors and qualify for the miles to be awarded to you. '' I then received a communication from Citi saying, essentially, I would not be getting the miles. This was despite the fact that several agents had told me otherwise, and despite the fact that I have screenshots of my application process proving I correctly applied using the promo code. 

Since then the service at Citi has been pretty poor. I continue to get canned responses and no specific reasons as to why the offer wo n't be honored. Agents have assured me a follow-up investigation was opened, but it has been over two weeks since that happened and I have gotten no response. I feel I am being taken advantage of. Had I known Citi would not honor the promotional offer I applied through, I would have left my money in another savings account earning higher interest. 

To top it off, my wife applied for the exact same promo offer on the exact same day and completed the requirements in the exact same time period and she has already received her bonus miles. So there is clearly something wrong on Citi 's end. 

I would really appreciate some real help with this issue. I feel like Citi is not giving that to me, and is not holding up the bargain.
Consumer complaint received 2016-08-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a checking account with Citi in XXXX 2015. The promotion was that after I spent {$1000.00} and did two bill pays within 60 days I would get XXXX XXXX XXXX miles from Citi. I did both quickly and Citi refused to award me my miles saying I did the wrong kind of bill pay. They granted me an extension to make additional bill pays which I met XX/XX/XXXX, they still refused to award me my miles. I opened a complaint with Citi which took approximately 7 phone calls to resolve because the department that files the complaint was n't working to resolve the issue. I just heard from Citi that they denied my complaint because I did n't spend the requisite amount of money on the card.
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

I have a file # XXXX from XXXX/XXXX/2012 XXXX Credit Report. My case is this my parents were both ill at the same time, and I was running errands for them, so my mom ordered another credit card from her credit card Sears/Citibank for me so I could get groceries and pay bills for her. When my father passed away she was still left with many bills and XXXX for awhile, she had to banckrupt, and when she did since she had ordered a new card for me, I got stuck with a bankruptcy on my credit along with my husband, I wrote to the company and they never replied. I never signed any contract with Sears/Citiban, am I still liable for this?
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Wire has been on hold with receiving bank for upwards of 6 months due to a claim being filed and requested a dozen times to be reviewed/cancelled by both myself and 3rd party . 

Funds remain on hold, I am out double the amount for having to pay 3rd party for goods received.

Each time you contact Bank of America, you get nothing. Im in a queue now. The customer service either give you nothing, refuse to help/transfer to a supervisor, it was only until a complaint was filed that i got a return phone call. That was 10 days ago in which they said theyd have a resolution. I call today and the service on the phone had ZERO updates and was so aloof on the phone, naturally, like the others, as if he couldnt care less that this has dragged on for months.

This is ridiculous. At this point, Ill seek legal assistance. Bank Of America is a constant runaround and offers ZERO help to anyone.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I was issued this American Express eGift Card ( details below ) through my employer on XX/XX/XXXX and began using it with no trouble on XX/XX/XXXX and made a subsequent XXXX separate purchases using the card through XXXX at a variety of different merchants -- grocery, restaurant, hardware stores, etc. 

Then, after XX/XX/XXXX, the card abruptly began declining every single time I tried using it. I attempted at least 20 different merchants, both in-store and online, and it declined 100 % of the time, including at retailers like XXXX XXXX 's XXXX the card had previously worked fine. I have a balance of {$660.00} left on the card, and I am effectively not able to use this money because it is not accepted at any single retailer either online or in store, regardless of whether billing details are needed by the merchant or not. 

Over the following 4 months I have called Amex 's customer support no fewer than 5 times and spent hours on the phone with representatives in XXXX who specifically told me that they had resolved any restrictions on my end and thus that it was the fault of the merchants, not AMEX, that the card was being declined. I told them about how the card has declined for me over XXXX times at all retailers online/in-store and they insisted that those declines were not showing up in their system and again insisted that it was my fault not there's. I've tried to have the issue escalated to their XXXX-based team because no supervisor has been helpful. They have REFUSED to migrate the balance of the card to another card or try troubleshooting in anyway, apart from XXXX different times telling me that they've fixed the issue on their end and to wait XXXX hours for the card to work fine again. It has never been fixed and I know they are lying to me to get me to stop calling. I have asked them the same question over and over again XXXX am I expected to use this card if it is not accepted at a single merchant? '. They have told me that this is my problem to fix on my own and not theirs. They have stopped responding to my customer service requests and never call back when they say they will. I do not believe that a final solution can be that Amex gets to keep my {$660.00} because their faulty gift cards are being flagged for suspicious activity and therefore accepted nowhere. 

I would like to add that dealing with Amex Gift Card 's customer service agents has been the most dehumanizing customer service experience of my life, and never before have I been scammed like this by a reputable company like American Express. Researching on the internet, it appears countless others have a similar experience. 


Card Number : XXXX Exp : XX/XX/XXXX Security : XXXX
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( XXXX ) owed are not accurate for the following items : Party Owed : XXXX XXXX  Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account NumberXXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received 800 dollars from XXXX XXXX  because I gave up my seat. I used XXXX and had it placed in XXXX. This works. I used XXXX in XXXX which i have been using for my XXXX XXXX with no issue. 

The remaining XXXX dollars I placed in two American Express CardsXXXX XXXX. They would not work at all. I tried to use it at XXXX no luck. I tried to use it at XXXX XXXXno luck. The online information says the money is there but I can not access it. 

I tried calling XXXX today finally and they said that they could not retake the money on the cards they suggested that I call the company. I called American Express and they do not have customer service for that specifically. I called them last week and today. 

The person I got onto finally on the phone for American Express could not help at all. I am exhausted and I would like my money back- a total of {$400.00}. I feel that American Express Card has been behaving like a scam company.
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BANK OF AMERICA IS ATTEMPTING TO FORECLOSE ON MY HOME WITH A DEED THAT FROM NATIONSBANC MORTGAGE CORP ON IT THERE IS NO ASSIGNMENT OR TRANSFERS TO BANK OF AMERICA NA. I HAVE MAILED 2 DIFFERENT QWR AND BOA HAS YET TO RESPOND TO EITHER. I HAVE ASKED FOR THE GAP ACCOUNTING AND SUBMITTED.A DEBT VALIDATION LETTER.BUT HAVE RECEIVED ANYTHING. 
BANK OF AMERICA WAS IN THE PROCESS OF WORKING ON A MODIFICATION WITH ME BUT THE WERE STILL MOVING FORWARD WITH FORECLOSURE PROCEEDINGS SIMULTANEOUSLY THIS IS CLEARLY DUAL TRACKING. 


COPY OF THE 2ND QWR IS ATTACHED
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX payments were never received into my designated Bank of America account. I received Bank of America confirmation text messages which I then had to acknowledge on my Bank of America app to receive the transfers from my business customers into my account, which I did. These transfers occurred between XX/XX/XXXX and XX/XX/XXXX. The Bank of America account was closed XX/XX/XXXX and I received a printed transaction history from XXXX thru XXXX at that time. Unfortunately I did not do a reconciliation. In preparing my taxes recently it was discovered by my bookkeeper the XXXX payments were missing and none were ever received into my account. This was verified by the Bank of America branch manager today, XX/XX/XXXX that no XXXX payments ever were received or deposited into my account. She referred me to XXXX directly as did the Bank of America phone customer service representative. XXXX keeps referring me back to Bank of America - No one is able to resolve why my XXXX payments were never received. I need to know where these payment transfers went and why I never received them.
Consumer complaint received 2023-08-18
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.