davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened up a citigold account on XXXX/XXXX/XXXX in response to a promotion that promised XXXX XXXX XXXX AAdvantage miles after I met certain requirements with were clearly stated for this promotion promotion ID XXXX On XXXX/XXXX/XXXX I verified my eligibility for this promotion with XXXX XXXX XXXX XXXX and on XXXX/XXXX/XXXX I confirmed again that I was enrolled in promotion with XXXX XXXX XXXX # XXXX She also confirmed that I had met all the requirements and that the XXXX XXXX AAdvantage miles would post to my account by XXXX/XXXX/XXXX. I sent an email to Citibank via their secure message service and received a mail response that there was not a promotion in conjunction with my account which is very confusing since Citibank had already confirmed 2 x already that there was a promotion and it was on my account had met all the conditions. 
Citibank bait and switched me on this promotion. 
I sent another email and was advised that my issue was being escalated to a different dept. 
Citibank asked me to fax over documents to them and they provided me with a fax number on XXXX/XXXX/XXXX and I faxed the documents on that day. I never heard from them so I called again. This time the rep told me that they had a problem with the fax machine o that day and asked me to refax them the documents this time to a different number so I refaxed them the documents on XXXX, XXXX and XXXX/XXXX/XXXX. I then called citibank again and they still had no notes on my account regarding these faxes and if they had received them ... the rep put me on hold and after a long hold she confirmed that the fax had been received .. I sent a secure message that same day and received an email back that the dept has received it but was backlogged and I should hear back soon.. 
Its now been over a month and I havent heard anything. 
Please help me with regards to solving this issue with Citibank I have all documentation regarding my emails, faxes and secure email transmissions Thanks XXXX XXXX
Consumer complaint received 2015-11-25
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Viking Client Services (TX)

Received statement from Viking Billing that they were to collect alleged damages on a XXXX car rental to the tune of {$310.00} without having any notification from XXXX Shortly thereafter they called to collect and when questioned could/would not provide any confirmatory information. Their Claim # XXXX
Consumer complaint received 2016-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (UT)

I received a telephone call on my cell phone XX/XX/XXXX, or XX/XX/XXXX. The caller gave me my birth date and ask for the last XXXX numbers of my social security number stating she could not tell me what the call was about until I gave her my personal information. She did say it was about owing money and maybe it was owed by someone else who put my name on it. Because we have all been warned not to give a caller our personal information, I told her she would need to contact me in writing through the postal service. She stated they had already done that. I have received no mail from a collection agency or from XXXX XXXX ( the company hiring the collection agency. ) I knew nothing about the incident until I received the call on my cell phone. I had XXXX XXXX year ago, but paid my bill on time and in it 's entirety. I dismissed it as a prank call. XX/XX/XXXX I checked my credit report and the collection company had put it on my credit report as a delinquent collection. My credit score went down immediately. I am frustrated by the methods the collection company used to contact me and asked for private information without giving me a name of the company or other identifying information. My credit has decreased by so much and affects my credit. If the company would contact me with a legitimate name or give me information to call them, I 'm sure this can be worked out. The collection agency is Amsher Collection Agency. I wish to get this issue resolved.
Consumer complaint received 2016-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc (DC)

I am getting frequent calls from this XXXX number and it is dept collector. I have no any debt, loan or outdated credit card or any sort of bills to pay. I want to know how did such company get me number and called me. I receive similar call from other so many unknown numbers. Concern authority must take strong action to protect innocent citizens. Thanks
Consumer complaint received 2016-01-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

On Friday, XX/XX/XXXX, I contacted Midland Credit Management via telephone, to question them about my debt account they purchased from XXXX XXXX Credit Card Division. I informed them, that said debt had no activity since XX/XX/XXXX, and asked why do they continue to contact me. I was informed that the last payment to XXXX was XX/XX/XXXX. I informed Midland, I have not paid anything on this account since XX/XX/XXXX, and that someone, including them, may of claimed I paid on XXXX XXXX. I then requested a 'Debt Verification Letter ' from Midland , and was informed, Midland sent out a letter in XX/XX/XXXX. I told the Midland Agent, I never received a letter, but, was told they will not send out another letter, due to, it was already generated in XX/XX/XXXX. Again, I requested the letter, and was told, " No. '' Additionally, since I have not paid on this credit card bill since XX/XX/XXXX, I am requesting Midland cease reporting this to Consumer Credit Agencies. 

XXXX XXXX XXXX card number : XXXX Midland account number is same as XXXX, but, they also have another number, too : XXXX
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has been charging me late fees and interest fees while also restricting my use for several months. My account was compromised a few months ago, and after I reported it, they did very little to solve/return the amount. For a few months now I had been paying the credit card past due amounts but it was never moving because they were also charging me interests. Every time you attempt to call, they always make it impossible to help and the customer service people are very difficult to understand and never understand you. Plain simple, they are finding all they can to just keep charging interests and fees and not waive any of their mistakes.
Consumer complaint received 2015-10-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: TRUSTMARK CORPORATION (NC)

On Tuesday, XXXX XXXX, my XXXX year old father was contacted by someone saying that they had legal proceedings against me. My father only has a cell phone and lives on the other side of the country from me so I have no idea how they were able to contact him. I got the phone number from my dad and called today, XXXX/XXXX/15. The man on the phone, XXXX XXXX, said that they were not trying to collect a debt but had legal papers that they needed to serve me and wanted to get my information. I would n't give it out to him and the man became very hostile. I was finally able to get the company name from him before I hung up. It is Trustmark Corporation. I have never had any dealings with any company of this name. I do not have any outstanding collections for any bank or credit card. I am very upset that this company called my dad and upset him.
Consumer complaint received 2016-03-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NV)

My complaint is very simple not gon na complaint about XX/XX/XXXX when I lost my job or XX/XX/XXXX when my mom had a XXXX or XX/XX/XXXX when mom came down with XXXX or the recent loss of my grandpa who was like a father to me and Citimortgage refused to help My complaint is that my credit has been damaged to the point it is very poor and I do once or twice a year have fallen behind and made my payment on XX/XX/XXXX as always however there has been plenty of times like once they lost my check while in California taking care of my mom XX/XX/XXXX I took the bad mark other times I 've paid at XXXX my time according to them if the payment is not in their system by XXXX pm their time I am late and those reporting have hurt me so bad I ca n't get a job I get turned down for credit that I need to fix the rest of my home a home that has XXXX bathroom working out of XXXX a kitchen with mold and because my insurance did not pay I am living with that in the house I am always XXXX I take XXXX I need Citimortgage to drop off all the late marks on my credit report so I can go on about and not have to be late on my house payments because all I have is cash and my hands are tied
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Asked for Method of verification of two accounts on my credit reports, Transunion, XXXX and XXXX did provide me with the information I asked for. See attached information forwarded to the credit reporting agencies. Transunion, XXXX and XXXX continued to report the account without providing to me how they came to their conclusion that these account belong to me ( XXXX XXXX XXXX for {$1300.00} and XXXX XXXX XXXX for {$7200.00}.
Consumer complaint received 2020-10-19
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: EQUIFAX, INC. (DC)

I recently sent letter over 60 days ago to these Bureaus and they are disregarding a regular consumer disputes. Im stressed and have been sending letters before this and still no response.
Consumer complaint received 2017-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX   XXXX   XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in unknown, unidentified amounts. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Consumer complaint received 2015-07-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo has been harassing my wife and I over the past year. We are crippled by this debt. When we told, we could not make the high payments, first they suggested consolidating the loans. After consolidation, the payments became even higher. Then, we asked to have them unconsolidated and they refused. it took several phone calls. Also, my wife gets calls almost daily just letting her know a payment is due. The loan has been deferred since she took some classes. They have called her and our mother in law who is the cosigner. The information is inconsistent online and who you talk to in person. and you just get the run around. Today, I was about to make a payment and they refused to take it. They said it has to be a bank card. This was my last straw. I offer to pay the money and you refuse to take payment. This has been a huge nightmare, and this vendor should be barred from taking on student loans. My wife even was diagnosed with XXXX and is not able to work full time. Still, they wo n't offer any relief.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Inquires that do not belong to me, Identity compromised/Fraud : Credit Bureaus contacted would not resolve the issue. 

XXXX Inquiries : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX Inquiries : XXXX XXXX XX/XX/2022
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (DC)

I have XXXX credit cards with Chase Bank. XXXX is a Chase Freedom, the other a Chase Sapphire. I have had auto-pay set up on both cards for the majority of time I have had the accounts, several years at this point. Recently my credit card was turned off, and when I logged into my accounts it showed that both were past due. Moreover, the automatic payments system I had set up had been turned off, triggering the late fees and the card shut down. I never received any notification from Chase that they had turned off my auto-payments. When I called them they told me they were n't sure, but that the auto payments may have been turned off because one of my payments bounced a few months ago ( I was merging bank accounts with my husband, which caused the gap ). However, I have since made payments using that same account multiple times since, it is a good account, and at the time they turned off my credit cards had more than enough in it to cover my minimum payments. I want to be sure that they do n't do this to other customers - I do n't think a bank should be able to turn off auto-payments and trigger undeserved late fees without notifying a customer. They returned the late fees when I complained, but I could have totally missed it if I had n't been going through my charges.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc. (CA)

I have received 8-10 phone calls at my place of business relating to debts owed to someone with the same name as me. The representatives have been rude and unapologetic. I have returned their phone calls 3-4 times, each time giving clear information that I am not the person they 're looking to contact, and that they need to remove me from their records. Each time I was told they would do so. Today I received another call, and on my return call back I spoke with a supervisor and reiterated my request.
Consumer complaint received 2015-07-27
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo dealer services calls me at least 8 to 10 times a day, I am not 30days late on a payment, in actuality I only owe them XXXX. They continuous ring my phone at all hours of the day including before XXXX. They are also calling 3 or 4 times when I am working.
Consumer complaint received 2015-03-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NC)

The collection agency keeps calling my cell phone with one ring everyday. when I return the toll free call ( XXXX ) to let them know that I do n't have a debt to pay and that I am a registered " do not call '' number ( XXXX ) they say they will remove my number but they keep calling ( over 6 months now ).
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

My mortgage is serviced by PNC Bank. I first contacted PNC Bank about my loan to value ( XXXX ) percentage in XX/XX/XXXX for removal of private mortgage insurance ( PMI ). At that time, my XXXX was 83.4 %. I contacted PNC Bank in XX/XX/XXXX to inquire about my current XXXX for removal of PMI. I was informed it was 76 % as of XX/XX/XXXX. Therefore, the private mortgage insurance ( pmi ) was not removed when my loan to value amount reached 78 % in XX/XX/XXXX. In XX/XX/XXXX, I requested a review of my case for refund of overpayments, since the PMI should had been removed when my XXXX reach 78 % per the Homeowners Protection Act. I was told that they did not monitor all accounts to determine when they reach 78 %. I was told they follow the amortization schedule and not the actual account. I have been denied a refund of overpayment of PMI. By law, it should have been removed at 78 %. My account has been in great standing. During XXXX and XXXX, I spoke to two individuals in the escalation department and was denied a refund. I am extremely frustrated that I have been paying for PMI that could have removed months ago based on the Homeowners Protection Act. During this time of nationwide crisis, I would think that PNC Bank would understand the importance of individuals being able to maintain their bills. I don't believe in throwing away money. Every dollar counts as we all try to deal with uncertain time. I made my mortgage a priority and I feel I should be treated as a priority.
Consumer complaint received 2015-12-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX XXXX deposited a check from me for {$88.00} on XXXX/XXXX/2015. On XXXX/XXXX/15, I received a collections letter from Transworld Systems for the same amount. XXXX has ordered collections for an amount that has already been paid.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I was locked out of my checking and savings accounts with Navy Federal for failure to pay enough on my credit card bill. I was unable to access any of my money while XXXX and unable to work and fell behind without access to my accounts. I was told I could not access it until enough had been paid on my credit card and no access in two years.
Consumer complaint received 2015-12-04
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NJ)

On XXXX XXXX, 2015 we made a payment of {$82.00} to XXXX XXXX XXXXOn XXXX XXXX, 2015 the Bank decided to send another payment in account of e-bill which was {$81.00} without our authorization. Neither one of the account owners made such a payment and the money was taken arbitrarily by the Bank, causing impact to our finances. 
When we called in to place a complaint, we were told that we need to wait 10 business day in order to get our money back, which we deem not acceptable.
Consumer complaint received 2016-08-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

I am currently out of school and I did not know he difference between loans, I got a loan from XXXX XXXX and I used it to pay bills, however years later I found out they were XXXX different loans and they can not be consolidated. I am unable to afford both loans on XXXX a year and I can no longer extend the private loans. I am a single mom and I am not sure what I can do for help?
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was recently going through my bank statements after a charge was denied and I knew I should have had the funds in my account. After finding out that I had a fraudelent charge on my account I started going through my past statements and I discovered that over {$7000.00} Had been stolen. I filed a claim and waited on a response. My claim was denied because they say my actual card was used in the withdrawals that took place. How can this happen? I know no one ever had my card in their possession. And it had charges from a casino and other states I have never been too. I want my money back asap.
Consumer complaint received 2017-01-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SCA Collections, Inc. (NC)

SCA Collections of XXXX, NC has continually file collection attempts against me on medical bills I do not owe because I have had XXXX consistently for the past 7 years! I am a single parent, XXXX and I have no income except my child support and that 's not enough to pay my bills. If your health information is to be private, how can they collect on a debt I do not owe??
Consumer complaint received 2024-03-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Absolute Resolutions Corp. (CA)

absolute resolutions nv fraudulent is sue me from a debt that was not verified at all by original credit XXXX XXXX I called XXXX XXXX XXXX they told me the did not have any information about said account that absolute resolution is now sue me for this is a baseless lawsuit and absolutely is fraudulent sue me without verifying anything I have never had a account with XXXX XXXX and the original credit could not find any information about the debt!!
Consumer complaint received 2023-04-13
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. (NC)

Account with XXXX account number XXXX was previously removed from my credit report as a result of FTC identity theft report number XXXX. The original account has been re-inserted into my credit report now as a different account number which is XXXX. Per the FCRA, the Credit Reporting Agencies are required to verify police reports and fraud affidavits for accuracy. As a result of prior identity theft reports, this account was deleted and blocked as a result of fraud. When the CRA delete and block an item as a result of fraud reference FCRA 615 - U.S.C. 1681m ( f ) ( 1 ) -Prohibition on sale or transfer of debt caused by identity theft. 1. In general - no person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 605B has resulted from identity theft.