davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-27
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When the new debit cards with the chip embedded on them are read on a pin machine with the chip reader, it automatically turns it into a credit card transaction, requiring a signature instead of the pin number, regardless if debit option was chosen. As a customer with Bank of America, my debit card was replaced prematurely from it 's expiration date with this new feature. As an agent for a merchant using the chip reader, I know this means the bank will charge us more for the transaction as a credit card than as the debit. I have discussed this with both my bank, who states the chip is a new requirement and with XXXX XXXX, who handles our merchant services, who states it is the card issuing banks fault. This is another case of banks taking advantage of the client.
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America took money from my bank account for a 2014 debt without notifying me. The debt occurred as a result of the bank 's negligence in not having a business continuity plan. They failed to close their XXXX office despite warnings of a severe snow storm. As a result, I was stranded for over 21 hours on the interstate. As a result of that calamity, I was hospitalized at XXXX receiving XXXX. The Bank further damaged me by not approving my leave and I did n't receive a paycheck while out on leave. This caused my account to become overdrawn. By the time I appealed and fought the decision not to pay me, my account had been closed. At no time did the bank give me an opportunity to try and settle this debt. Instead, they waited 2 years to take money from my account without warning. Bank of America has a history of abusing the elderly and XXXX veterans.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I Was In A Chapter XXXX Bankruptcy When Nationstar Purchased My Mortgage. Nationstar Failed To File The Proper Doc. With The Court So The Court Held Their Monies For 10 Month Until The Docs. Were Filed. At Such Time The Monies Were Released And Nationstar Was Paid Current. Upon Exiting Bankruptcy Nationstar Informed Me I Was 10 Months Behind. I Obtained Court Docs. And Bank Statements Proving All Payments Were Made. They Still Said I Was Behind And Proceded With Forclosure Till I Signed A Loan Mod. Which Was 40 yr. I Only Owed 15 yrs To Start With.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I have a loan for my home with SPS serviceing my wife has been out of work due to a XXXX and XXXX my job is the only income. irequested help from SPS they sent me the paper work and sent it in in XX/XX/XXXX here it is XX/XX/XXXX and they tell me that they turned it down because they did not get the documents. they said I could submit the again with I did and I confirmed that thay di get them. I realy want to keep my home and keep paying on it. and I 'm trying as hard as I can to work with them but I keep getting this run around my name is XXXX the home address is XXXX XXXX tn. the home is up for sale in XX/XX/XXXX I 'm working as hard as I can to get this held off until something could be worked ou on getting the payments current. my home number is XXXX muy home is XXXX so I 'm asking for any help that you can give me with this issue.
Consumer complaint received 2017-01-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I am an owner of 2012 XXXX XXXX XXXX in great condition with approximately XXXX miles. The vehicle has XXXX open recalls that I have been waiting to have fixed for over 18 months. I recently sought to purchase a new vehicle and was told by XXXX separate national dealers ( XXXX and XXXX ) that my vehicle is ineligible for trade in due to the open recalls. Chrysler does not have an anticipated time frame for when the parts will be available in order to correct the problem. Meanwhile, I am unable to utilize the value of my vehicle to have it applied to the purchase of a new vehicle.
Consumer complaint received 2017-03-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CT)

Numerous documents have been emailed to BMWFS in regard to payment taken out of my account in error, XXXX on XXXX, an overdraft fee in the amount of 35.00 as well. Its been several weeks since initial documents emailed, they were confirmed received, still no refund issued back. BMWFS reps state the matter is being reviewed/worked on but nothing is actually done. The last rep by the name of XXXX stated she was working on it, requested new documents which she received, still indication of refund ( s ). Please do not mark this as a duplicate, there is additional information contained
Consumer complaint received 2015-07-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I contacted CITIBANK after receiving my XXXX consumer report and seeing several fraudulent account inquiries. I explained that I have had a case of identity theft and that I have already set notifications with the Credit Bureaus, XXXX, XXXX, as well as filed claims with multiple banks and filed a police report. 

She was unable to transfer me to the Debt Solutions division of the bank. I asked her to please close the active account immediately, as it is fraudulent and I do n't want it to affect my credit. She stated she would connect me right away with the right department to close the account. I offered to provide all necessary documentation to do so, so she could close it herself. 

Instead, she asked me to please hold and I was transferred to the XXXX. She did not close the account nor agree to investigate the fraudulent account after being made aware of the identity theft. 

I would like the account ( s ) closed and situation resolved immediately. There were XXXX credit inquiries made from XXXX and NY branches and I was told there were active accounts in my name. Whether checking accounts, savings, or credit cards.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (MI)

I lost my job and already paid 12 years on loan then citi modified me for a 40 year loan and they have the right to part of my retirement this does not help it hinders I tried everything Citi wants me to move out because I ca n't afford it I want to keep this home I have been there for 16 years
Consumer complaint received 2016-01-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

I was paying out a credit card with a balance of {$580.00}. It suddenly had an increase of & gt ; {$200.00}. I told them it was incorrect, but they refused to listen. This is a Best Buy credit card issued by Citibank , N.A . They are now calling my work about 10 times a day. The front office worker is getting very upset. Everyone has told them to stop calling, but they wo n't. This is serious harrassment.
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NH)

I have a home depot credit card. I ordered a Gazeebo for {$340.00} online that was supposed to be shipped to the store. This was the only charge on my card. I received my statement about 2 weeks later and no product. I called the local home depot in XXXX XXXX NH and they could not find it and I was put on hold for over 20 minutes. I then decided to call the customer service number on my credit card statement. I called and the gentleman offered to call the local store as they showed it as being delivered to that store. I waited the line for 10 minutes and when he came back on he said that he got hung up on and would refund me the {$340.00} and take XXXX percent off the new gazebo along with free shipping to my home. I asked him if I needed to worry about that payment and he said no. I decided to pay my credit card early today and found out I was charged {$25.00} for not making the minimum payment required on my last statement. When the customer service rep refunded me the {$340.00} my balance was XXXX. Why would I make a payment towards a XXXX balance. The manager said because I have other charges on this account. Those charges would be reflected on my new statement but I have not even received that yet. I have no idea what those charges are even made up of without a statement. I want my late fee back and an apology letter. My credit is very good and this is fraudulent to say the least.
Consumer complaint received 2016-10-12
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A. (GA)

I have XXXX Prepaid Cards issued through Citi Bank from XXXX. I have filed XXXX claims because money was not refunded on my card. I have sent documentation in 3 times. The money has not been refunded on my card and I have been going through this since the end of XXXX. They just sent me another letter wanting me to submit the same information that I already have. I want this issue fixed immediately.
Consumer complaint received 2016-06-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IN)

I have a banking account with Citibank that was opened XXXX XXXX, 2015. There is a bonus of XXXX XXXX miles for opening the account after meeting spending requirements on the debit card as well as paying bills which I have met. Despite meeting the requirements in XX/XX/XXXX, my points have not yet posted. I keep on getting excuses from Citibank about when the points will post. Most recently they told me that my account is missing a XXXX form which I promptly supplied and they confirmed receiving it. I am not getting any replies to secure messages that I am sending them from my online account and the phone agents say they can not do anything about it. I have attached PDF 's from their replies which should explain the situation in more detail.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (TX)

This whole issue started when I lost my XXXX Costco card during transition period when it was switching to Citi Costco card. I called XXXX to report my card lost and they said there were some fraudulent charges, but because my account was transferring over to citi that XXXX would take care of it. So then the fraudulent charges transferred over to Citi Costco CC. I called citi to tell them what happened, its seemed that the solved the problem ... But now Citi wants me to pay for fraudulent charges ... This is not right at all. XXXX dropped the ball as well as Citi.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

You mean the short version : we fell behind on our mortgage because and storm damage insurance claim was denied and we were in the midst of the double dip recession XXXX and a severe reduction in income. Since then we applied for a mortgage modification with CitiMortgage. I started keeping better records as of XXXX XXXX, XXXX, I have since then kept all copies of submitted documents. We respond either within hours, if a few documents are required or within a few days of XXXX-XXXX pages are requested. It seems after each submission latter part of XXXX we would receive email/mail stating : 'your file is now complete and has been forwarded to the underwriter ' Then some time later we get the request for more documents, which we supply. By then of course some other documents have expired, so we send those updated documents again. Then, of course they change the person in charge of my account and so on and so on. This has gone on for over a year with no end in sight. Sadly and in addition to this cruel and unusual punishment, my income, which had been reduced to negative ( my company 's gross was reduced by 90 %, therefore I lived of savings ... .they are now exhausted ) is now coming back. Yes, we are quite behind and it will take a few years to catch up, however, we can now afford the mortgage. We just can not afford to catch up on XXXX late payments. We keep asking, begging for a solution but none seems forthcoming. Should this go on for 2 years? Five years? Is there any limit? 
Of course this the the very condensed version, I can submit a much more detailed timeline with ALL supporting documents. I will attach an early XXXX as well as this year 's documents. We would gladly submit copies of ALL documents for XX/XX/XXXX-XX/XX/XXXX but that might have to be vial XXXX on a jump drive.
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (UT)

I applied for a Citi / AAdvantage Platimum Select World MasterCard on XXXX XXXX, 2015. They did not immediately approve the card so I called the number and spoke to XXXX # XXXX and was told it was approved and that I would qualify for the XXXX air miles promotion after I charged {$3000.00} within the first 3 months starting on XXXX XXXX, 2015 and that I should receive my card within 7 days or by XXXX XXXX, 2015. I received the card and more than meet the requirements by XXXX XXXX, 2015. In XXXX, I received a letter stating as a current or former Citi / AAdvantage cardmember I was not eligible for the XXXX-time bonus miles offer. No where was this stated when I applied online. It does not seem like fair practice for Citibank to advertise promotions such as this, have their employees tell you that you quality and then after you have meet the requirements deny the reward.
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX RE : THE ACCOUNT HOLDER HEREIN REQUEST FOR COMPLETE AUDIT OF THE ACCOUNT I XXXX XXXX, HEREIN ATTEMPTED TO REQUEST FOR A COMPLETE AND THOROUGH AUDIT REVIEW OF HIS CITIBANK CREDIT CARD ACCOUNT. THROUGH THE CITICARD SECURE MESSAGE SERVICES, AND SOMEONE DID N'T WANT ME TO FILE MY DISPUTE. SO THEY DENY ME ACCESS, AND BLOCK ME FROM FILING MY CLAIM. AND FOR THE ADDITIONAL REASONS WHICH FOLLOWS : ( 1 ) I HAVE REASONS TO BELIEVE THAT THERE IS SOME INACCURACY IN MY ACCOUNT BALANCE AND BILLING. I 'VE BEEN MAKING MY MINIMUM MONTHLY PAYMENTS. 

( 2 ) THERE WERE CHARGEBACKS, AND REFUNDS TRANSACTION ... .THAT WERE MISAPPROPRIATED, AND OR NOT APPLIED AT ALL. THROUGH THEIR DECEPTIVE PRACTICE CALLED CONDITIONAL CREDIT. 

FOR EXAMPLE : IF YOU WERE TO FILE A LEGITIMATE DISPUTE CLAIM. CITICARD ACCOUNT, WOULD GO AHEAD AND GIVE A CONDITION CREDIT. WHILE INVESTIGATING THE CLAIM. THEY IN TURN WOULD FABRICATE A STORY AND SAY ... THAT, THE MERCHANT OR BUSINESS DID NOT HONOR THERE REQUEST FOR REFUND. THEREFORE, THEY ARE TAKING BACK THEIR CONDITIONAL CREDIT. AND WHEN I CONTACT THE BUSINESS. THEY WOULD EXPLAIN THAT A REFUND WAS GIVEN. 

( 3 ) MY BELIEFS IS ... THERE IS SOME FORM OF INTERNAL DISHONESTY AND THEFT, THAT HAS BEEN TAKEN PLACE AGAINST MY ACCOUNT. ..AS FAR BACK? ..WHEN THE ACCOUNT WAS OPENED. 

( 4 ) SOMEONE WITH ACCESS ... WITHIN CITIBANK CREDIT CARDS ACCOUNT HAS REPEATEDLY BLOCKED ME FROM FILING MY CLAIM THROUGH THEIR SECURE CITICARD MESSAGE PORTAL. WHICH MIGHT BE THERE ATTEMPT TO COVER-UP THEIR WRONG DOINGS. 
PLEASE FORWARD THIS MESSAGE TO SOMEONE WHO IS ABLE TO INVESTIGATE THIS MATTER. 

RESPECTFULLY SUBMITTED BY XXXX XXXX
Consumer complaint received 2016-09-18
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (GA)

Macy 's department Store Card did not forward statements to new address and after 3 months only notifications was from collection company. As soon as notice was recieved full balance was paid off ( {$300.00} ). Macy is unwilling to remove derogatory mark from credit and believe their policy for not forwarding statement leads to late payments etc. Currently, my credit score dropped XXXX points and assuming most of it is due to Macy 's. I 'm unable to get mortgage due to their lack of customer service and compliance with USPS.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (MS)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dyck-O'Neal, Inc. (MI)

I have been a member of XXXX since XXXX. They are unable to locate any records regarding a mortgage that I supposedly received in XXXX. I never received that mortgage. I have only had one mortgage on a property ( located at XXXX XXXX, XXXX ), and that went into foreclosure in XX/XX/XXXX as a result of predatory lending practices that led to a class-action lawsuit and subsequent forgiveness of the mortgage ( proof attached ). 
The mortgage that I supposedly received in XXXX shows XXXX XXXX Mortgage as the mortgagor. Since the original mortgage was issued through XXXX, I would not have gone to another lender for yet another mortgage. In addition, all of this paperwork has exposed much of my personal information including, but not limited to, my account number at XXXX. 
This house was ultimately sold ( without my knowledge ) at a sheriff sale in XX/XX/XXXX. I received no notices regarding the sale, nor was a notice posted on the property. I only learned of the sale when I visited the Register of Deeds for a title search.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-05-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Hi, I opened a Citi Gold checking account online through the Citi website on XXXX XXXX, 2016. During the enrollment for the checking account, I entered the promo code " XXXX '' in order to receive XXXX XXXX XXXX points as a bonus after fulfilling the minimum requirements. After reaching the minimum requirements, on XXXX XXXX, 2016, I reached out to the customer service online chat to confirm. The customer service representative confirmed that I had reached the requirements and that I should be receiving the bonus in my account within 90 days with a confirmation email. I had done confirmed with XXXX separate online customer representatives After not receiving any confirmation email after one month of waiting, I called citi customer service on three separate occasions to find out about the situation and they had stated that I would need to continue to wait for the bonus to arrive. After not receiving any confirmation from Citibank, I then asked to speak to the customer service manager and he mentioned that I would not be eligible for the bonus. 

I have researched online that many Citigold customers are receiving the same issue without receiving a confirmation or their bonus. I have attached a screenshot of one of the secure messages with a Citibank customer service rep. Please help me regarding this situation, I was planning to use these points for my honeymoon and it would help a great deal financially, thank you.
Consumer complaint received 2015-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TX)

On XX/XX/XXXX, i filed for Chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX, while in the bankruptcy payments which were made through the bankruptcy trustee totaled {$110000.00} in principal payments and {$10000.00} in arrears and {$7100.00} in post arrears, totaling {$130000.00} in payments.According to caliber home loans out of the {$130000.00} that was paid reduced my mortgage principal only {$12000.00}.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

FAIR COLLECTIONS AND OUTSOURSING has placed erroneous and false information on my credit report. I do not know this company and have no knowledge of the company they are attempting to collect for. I have asked this company to remove this information, This company is preventing me from qualifiying for a mortgage. I have lost my earnest money and have been subjected to a higher interest rate with higher fees.