davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX/XX/XX/XXXX I applied to Citicard promotion for a Master Card World Elite credit card that I received in the mail. The promotion was for when you have made purchases of {$3000.00} within 3 months after you received your card, you will be awarded XXXX miles to your XXXX XXXX Miles account. I applied to this promotion online, simply because I could find out right away whether I qualify or not. My application was denied immediately. I later received a letter in the mail from Citicard saying that because I already have an open account I therefore was denied. I had previously canceled my credit card with Citicard a couple of months prior to applying to this promotion but Citicard claimed that I had an open account. XX/XX/XXXX, I received another promotion in the mail from Citicard with the exact same promotion as before. I decided to try again. I applied online and was approved immediately. After receiving my credit card and have met the requirements necessary to receive the XXXX miles, I noticed on my statements that the XXXX miles has not been credited, instead only the XXXX+that I had spent ... .I called XXXX XXXX XXXX Miles to check whether there was a credit made of XXXX miles, they informed me " no '' and that I needed to follow up with my credit card people. I called Citicard and was sadly informed that I was n't qualify for such promotion since I previously had an account with them and that I needed to wait 18 months. 
If this is true, Citicard should not have falsely approved me for a credit card I was led to believe to receive. There was completely no misunderstanding on my part due to the fact that I wound not have applied for a credit card that did not offer me any mileage bonus. I am very aware of such things and I strongly feel that due to no fault of mine, Citicard should do what is right and honor their promotion that I was approved for. I have always been a good customer of Citicard and have always paid my debt in full with no delays. I sincerely hope Citicard will reconsider their decision and award the XXXX bonus miles promised me. 

Sincerely, XXXX XXXXVery Dissappointed CustomerSent from my iPad
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

In XXXX, I applied for a Citibank Citigold checking account using their promotional code XXXX on my application. This offer promised XXXX XXXX bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package and fulfilling their necessary requirements of Qualifying Debit Card purchases and Qualifying Bill Payments in consecutive months. Along the way, I continuously checked in with Citibank representatives ( through their online chat system ). Initially, I simply checked in XXXX XXXX/XXXX/16 XXXX to make sure the promotional code was indeed associated with my account. And I received written confirmation that if I did fulfill all the requirements, I would get the bonus. ( Please see 'Citibank Conversation XX/XX/2016 ... ' attachments. ) After that day, I continuously checked in to make sure I was on track, and I got the final confirmation on XXXX/XXXX/16 that I had indeed fulfilled all of the requirements. ( Please see 'Citibank Conversation Proof that I fulfilled.. ' attachments. ) I had been told that the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. So, I waited 90 days, and I still had n't received the miles. I checked in with a Citi representative, who told me he could n't help me but someone would get back to me within a few days. After a week, I tried again. ( By this point, I had been charged repeatedly for the maintenance of the Citigold account, losing that monthly fee money each month. ) The representative created a case number for me and again told me to wait on reply. Finally, on XXXX/XXXX/16 I was told that I was ineligible for the miles since I was not specifically targeted for the promotion. At this point, I am very frustrated because not only had I took the time and energy to open the account and fulfill all the requirements specifically for this bonus, but I had been told repeatedly by Citi employees that I was on track to receive them and that the promotional code was associated with my account. I am also out money taken by Citibank for the fees I would not have been paying if I had n't been trying to get this promotion. 

We sincerely appreciate you taking the time to investigate this on our behalf! We tried to do our due diligence along the way to ensure everything was in line with Citi, but it is clear they are going back on their words. Thank you so very much!
Consumer complaint received 2015-11-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo without any form of notice and after refusing to discuss alternative solutions has my home for sale on XXXX/XXXX/2015. I have applied for a modification and submitted all request documents and have not been contacted by them. My title work from the date of purchase does not indicate that Wells Fargo has any ownership right to my property and I have sent them a Qualified Written Request ( QWR ). Wells Fargo has refused to tell me who the attorney is handling the upcoming sale of my property nor have they informed the other owner of the property, this party is on title but not on the debt.
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

I have been receiving harassing telephone calls from Synchrony Bank concerning my closed PayPal Mastercard account. Additionally, I have been receiving a discrepancy in communications about the past due amount. On XX/XX/XXXX, I received an email indicating that I had a total minimum payment due of {$170.00}, including a past-due amount of {$110.00}. A due date of XX/XX/XXXX, was indicated. However, when logging into my PayPal App, it showed a past due amount of {$60.00} with a message stating, " Pay {$60.00} now to cover the overdue amount and bring your account current. '' This issue has been ongoing as I received the same message again on XX/XX/XXXX. Synchrony Bank closed my account in XX/XX/XXXX allegedly due to returned payments. Before the account closure, I faced challenges with making payments. For instance, in XXXX, PayPal claimed a payment was returned by my bank, but it was a system error caused by PayPal as I used an unlinked checking account. According to PayPal, their policy requires that you are required to use an account linked to your PayPal profile to make payments. The harassing phone calls have continued. The most recent contact was on XXXX Sunday, XX/XX/XXXX, a day that is a religious observance in my household. In addition, I continue to receive communications from Synchrony Bank entitled, Are you having difficulty paying your PayPal Mastercard account? allowing me to enter into a Customer Assistance Plan. However, I am not eligible for making fixed monthly payments as they closed my account in XX/XX/XXXX. In addition, one of the requirements of the Customer Assistance Plan is that I must be willing to close the account. However, Synchrony already closed the account. These offers from Synchrony are misleading. Currently, despite making a payment of {$60.00} on XX/XX/XXXX, I was charged another late fee of {$41.00} on XX/XX/XXXX. My PayPal app on XX/XX/XXXX, is showing a past due amount of {$54.00} and a balance of {$450.00}. It appears that despite making the past due amount reflected in my PayPal app Synchrony continues to charge late fees toward the closed account.
Consumer complaint received 2017-04-30
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. (FL)

I would like my information on my credit reports to be verified and removed that are inaccurate because Florida is the capital in the world for identity theft I was a victim so I want proof it was me I asked the  XXXX  different credit bureau to verified my inaccurate information they just issue a fuard alert
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (AZ)

In XXXX of XXXX a mortgage ran a credit report through XXXX that i authorized to get a quote for a mortgage. I found out that there were several outstanding fees from multiple companies and a credit card that I had no knowledge of opening. I reached out to all the different companies and was able to get them resolved for the most part. The collections company LJ Ross Assoc does stick to my credit and I am not able to get to a resolution through them about resolving this issue due to the account was opened without my knowledge. 
LJ Ross is a debt collector that the original creditor, XXXX  XXXX, opened a collections for the amount of {$900.00} that, again, I have no knowledge of who opened and used this account. From the credit report I can see that the account was opened XX/XX/XXXX and used until about XX/XX/XXXX. 
A new address was placed under my SSN on XX/XX/XXXX without my knowledge. I dont know of anyone in/around nor have I ever personally been to that address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 
I have reported it in XX/XX/XXXX and XX/XX/XXXX. 
I have tried to dispute it many times.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

XX/XX/2015 I received a notice from XXXX XXXX that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, XXXX XXXX. I called XXXX and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. Equifax on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. Equifax is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I was PRE approved for the bank of america XXXX cash rewards card and the XXXX card and they denied me for both. They told me I was never approved for these cards which is simply not true. Bank of America has repeatedly denied me single cards yet they approve someone on reddit for XXXX BoA XXXX credit cards? What a joke.. I should be approved for both of these cards and if not they should remove the inquiries off my credit report. I have had so many issues with this bank and they are absolutely no help. The online chat reps just tell me I have to call and most of the time the numbers they give me are wrong and I have repeated issues from Bank of Amerideals getting my {$75.00} XXXX cashback and I am still waiting on {$100.00} checking account bonus and I have met all requirements. Now they are about to charge me {$12.00} a month for not having a certain balance or XXXX. Im tired of this bank taking advantage of me and nobody is willing to do anything ... They do not care about me as a customer at all. PLEASE HELP
Consumer complaint received 2022-02-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-02-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (FL)

CHASE did not handle fraud charges on my card properly. It took multiple calls and I was transferred to as many as XXXX people per call. They kept sending past-due statements even though I closed out the account. Now they have reported to the credit reporting agenices that I have been behind two weeks on payments - the fraud charges of just around {$30.00}. My credit has been harmed by CHASE reporting that I have been late on payments.
Consumer complaint received 2023-04-03
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 - IDENTITY THEFT XXXX XXXX  # XXXX - IDENTITY THEFT 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 2016-09-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

I sent request for information, about XXXX, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MD)

I have a mortgage with Caliber Home Loans, which calls itself a collection agency rather than a bank. On two recent occasions, I made my regular monthly mortgage payment to Caliber and they did not deposit the payment, claiming that it was not associated with my bank account properly. They charged a late fee on both occasions. I fought to have the first late fee ( XX/XX/2016 ) reversed, but they have refused to reverse the second fee. The payments were made using my personal checking account, which I have had for many years and which has not changed in any way. Other payments from that checking account were cashed routinely without a problem. I suspect that Caliber is using the claim of " no account '' to add late fees to my, and perhaps other accounts.
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

Charge from XXXX thru PayPal was reversed due to show cancellation. PayPal claimed to to return the money but never did so. After inquiring, PayPal representative told me I needed to dispute the charge thru the credit card company ( XXXX ), which I did. XXXX claims the charge was valid and will not refund the money - leaving it in PayPal 's hands. This situation is understandably complicated by the 3 year gap between the ticket sale and show cancellation due to the pandemic.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

Few years ago, I made a plan with them to get out of default status by setting auto payments. It was fine for almost a year then they decided to stop receiving my payments. I tried to contact them, only to discover that they transferred my case to a different company and claimed that I did n't make any payments after eight months. Which messed up the plan to get myself out of default status. They refused to work it out with me so I gave up and moved on. I applied for XXXX loan forgiveness instead.
Consumer complaint received 2020-10-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (FL)

I was initially contacted by General Revenue on or about XX/XX/2020 regarding an alleged debt. The debt allegedly derived from XXXX XXXX University and was allegedly {$2100.00}. The initial letter I received stated that the principal balance was {$1600.00} and additionally a " collection cost '' of {$420.00} was added to the principal balance bringing the total alleged debt amount to {$2100.00}. I have attempted to resolve this issue multiple times with General Revenue in the past. I have also contacted the financial aid office with XXXX XXXX University and have been told " it was not heir problem ''. When I requested validation of the alleged debt I received a letter from General Revenue containing a list of charges. The alleged debt derived from a Federal Student Loan that I never received from XXXX XXXX University and the loan was allegedly received by myself when I was not enrolled in the university. The list of charged stated that I owed a principal balance of {$1400.00} along with a " collection cost '' of {$350.00} bringing the total alleged debt to {$1700.00}. General Revenue alleged to validate a debt with a completely different principal balance and a different amount charged as their " collection cost ''. General Revenue has placed this account on my credit report without validating the debt or even the actual amount allegedly owed. The Fair Debt Collection Practices Act ( FDCPA ) specifically states that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' Falsely representing the amount of a debt is a blatant and direct violation of section 807 of the FDCPA. General Revenue falsely represented the amount allegedly owed in regards to the Principal balance.General Revenue has also added their own fees to this alleged debt in the amount of a " collection cost ''. Section 808 of the FDCPA states '' The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law '', is a violation of the law.