davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I opened a checking account at Citibank based on a targeted offer for XXXX XXXX XXXX miles after certain criteria were met. As I understood from the personal banker, I made sure I had met those qualifications. Also, I was never given any paperwork stating specific qualifications for the promotion. I followed up and was told by a customer service representative that I had met the qualifications. Then I was contacted by the personal banker stating that I had not met one of the qualifications. I followed up with customer service to try and resolve the issue ( because the personal banker was not helpful ), but it was not resolved. I was mislead and the bank is not willing to resolve the problem.
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a tax lien on my Transunion credit report maintain under my social security number reported by the XXXX XXXX Recorder 's Office. I have contacted the XXXX XXXX Recorders Office, and I do n't have a Judgement legal item. The recorders office stated to me that they do not provide information to credit reporting agencies, nor do they ever validate a public record due to Privacy Laws. On XXXX/XXXX/16 I received a letter from the Recorder Office advising to contact the credit reporting agency Transunion and indicate on my letter to clear out the FEDERAL TAX LIEN. On XXXX/XXXX/16 and XXXX/XXXX/16 I sent Transunion a certified letter asking them how did they validate or verified this public record entry with the XXXX XXXX Recorder Office and to please permanently delete this Public Record immediately. In my letter I stated according to the Federal Credit Reporting Act ; Section 6099 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through physical verification of the original signed consumer contract-any and all accounts/ public information you post on a credit report otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I also sent them a copy of the letter from the XXXX XXXX Recorders Office telling me to indicate in my letter to clear out the FEDERAL TAX LIEN. On XXXX/XXXX/16 I received a letter from Transunion indicating the tax lien has been verified on XXXX/XXXX/16 I wrote another letter to Transunion asking to please provide the name, address, and telephone number of each person contacted at the XXXX XXXX Recorder Office and I formally requested a copy of any documents provided by the Recorder 's office bearing my signature. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. The Transunion letter also stated " You may contact the company that reports the information to us and dispute it directly with them. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly '' I have already done my research with the XXXX XXXX Recorder 's Office I have already given Transunion a copy of there response.
Consumer complaint received 2016-04-24
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I was served a notice of default by a seller trustee. I had never heard from my reverse mortgage company. In fact, I was told by the seller trustee that my reverse mortgage had been sold to another lender. It has been 3 years, almost 4,, since I have had a statement, or any kind of contact whatsoever. I was told by my original lender that my taxes and insurance would be paid out of a fund they had, and there was enough to cover it. In XX/XX/XXXX I received notice of default, they claimed they had tried unsuccessfully to reach me, however the seller trustee had no problem in locating me. I am in my home and have been here since XX/XX/XXXX. Lender stated that they had received mail back from an old mail to address. I called immediately upon receiving notice of default. I was given an amount and tried to pay it that day. I was told that the representative would double check the amount due and all back in two weeks. She did not call, so I did. I was told the amount was now {$1700.00} higher than the amount originally quoted. I asked for a written statement on exactly what I owed. To date, I still have not received this statement and I have made XXXX different requests since XX/XX/XXXX. I called again XXXX weeks ago, asking for the amount and it is now another {$1000.00} higher. I can not get any information, they will not tell me where to mail the payment, and when I ask to speak to someone in charge each person tells me they are in charge. Citgroup has refused to take my payment, has refused to allow me to pay it off in installments, made no attempt to notify me that I was in default and now refuses to give me the address to send the payment. They have now set a sale date for my home of XXXX XXXX, XXXX.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

macys/dsnb according to XXXX is still reporting 60 and 90 day late pays i have a letter from macys stating it was all taken care of but XXXX is blaiming macys/dsnb will enclose copys for you want the 60 and 90 day late payments off of my credit report
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (GA)

1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me. 
2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards. 
3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices. 
4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question. 
5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.
Consumer complaint received 2024-03-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MO)

This complaint is in regard to XXXX XXXX XXXX. I am unaware of the alleged debt they placed on my consumer report. I did not have the opportunity to dispute the alleged debt, and it was furnished on my credit reports. As a result, my character and reputation are being damaged per 15 USC 1692d ( 1 ). This is a violation. If in fact you believe you gave me proper notice, then please send me the certified receipt with my legal name on it and my signature.
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I'm lost for words about this company trying to collect a debt I paid with the original creditor. I am requesting full validation on this account and had requested from the original creditor and they could not provide it. I have a feeling they sold it knowing what they have done. I need some help
Consumer complaint received 2017-03-07
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (TX)

I have been working with my current mortgage company, PHH Mortgage, in regards to a loan modification. Back in XXXX of 2016 I was informed that my loan modification had been approved and that my first payment was due in XXXX. I made the first payment as scheduled. In XXXX I received notice that my loan modification had not been approved. I contacted my attorney and that third party company that I was working with regarding this notification and as result, it turns out that the mortgage company had not sent any trial documents and that the loan approval documents had not been sent to the correct address. After receiving all of this information PHH mortgage advised that the loan modification had in fact been approved, the miscommunication of loan documents had been an oversight on their part and to go ahead and send in my payments directly to them. I have now received notice that my home is up for foreclosure with a date and time of sale. I am an XXXX service member, which the mortgage company is well aware of, and have stayed engaged with them in every step to save my home. I contacted my attorney and the third party company for assistance in this matter. Contact was made with PHH Mortgage to discuss this matter and now we are being told once again that the loan modification has not been approved and that my payment has been return ( nothing has been received from PHH Mortgage ). We have asked to speak with my case manager at PHH Mortgage, his supervisor, and that persons supervisors. No one is ever available to assist in this matter. Once again I am in danger of losing my home and also, the tenants that I have living in the home are in danger of being put out. This highly unprofessional and unethical.
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (DC)

Because of an error on American Express ' end, I occurred a fees totaling a XXXX dollars on a banking account I was in the process of occurring. On XXXX XXXX, I spoke with XXXX XXXX who was the first person who promised to refund the fees as soon as soon as I provided documentation. Because of the hassle I had already been through, I too recorded the phone conversation and would be happy to provide that. Once I provided documentation, I never heard from anyone. After calling in and being passed around, I spoke with a supervisor named XXXX XXXX. He told I could " consider it done '' and he would contact me again within 24-48 hours. That too never happened. I called tonight, was once again passed around to various departments, and was told that XXXX XXXX was not in the office and they were n't sure why he had n't contact me but they were unable to do anything. The supervisor I spoke with tonight said he should be contacting me tomorrow. I told them I was filing a complaint tonight as this issue has gone on for too long. I 've literally spent 4+ hours being passed around with no results.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NH)

My mortgage loan began in XXXX of 2016 with the first payment being sent to the original mortgage company of XXXX XXXX XXXX on XXXX/XXXX/16 ( Due XXXX/XXXX/16 ). 

On XXXX/XXXX/16 PHH Mortgage sent notice to me that they had purchased the loan on XXXX/XXXX/16. Beginning XXXX/XXXX/16 I began receiving 2-4 phone calls per day from PHH Mortgage representatives demanding that I make two mortgage payments immediately. They insisted they were owed the first payment that was due XXXX/XXXX/16 ( which had already been paid to XXXX XXXX XXXX ) as well as the second payment which was not due until XXXX/XXXX/16, 15 days in the future! 

I explained to your PHH numerous times that the first payment was already paid to the original mortgage company and that the second was not due for another 15 days. I still received 2-4 collection calls every day. On XXXX/XXXX/16 my bank, XXXX, sent payment for the payment due XXXX/XXXX/16 to PHH and it has been confirmed as received. I still receive 2-4 collection calls each day demanding I immediately make two additional payments.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (AZ)

Today is XX/XX/2024. In the mail I received a debit card I never applied for. It looks like a MasterCard but it doesnt say Master card on the blue credit card. It has my name on it. I did not fill out any application for this card. It was me to activate it but I didnt do that, nor do I want to call a robot that will automatically assume I want the card. 
I dont know how they got my name and address, but this apparently it is from the IRS ? Internal Revenue Service. I have XXXX XXXX do my takes they gave direct deposit info to the IRS for the past several years. The IRS never told me about this card. It feels like this is bogus but I could be wrong.
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MI)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (LA)

On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles within 90 days. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. I further confirmed this in a later chat on XXXX XXXX, 2016 ( also attached ), that the miles would be awarded no later than XXXX XXXX, 2016. After XXXX XXXX passed with no miles awarded, I messaged Citibank again, which opened an investigation that appeared to do nothing. I messaged again XX/XX/XXXX, an on XXXX XXXX received a letter ( also attached ) stating that the miles would be awarded as soon as I gave my XXXX XXXX frequent flier number, which the bank had somehow lost. I called and gave the number that day and was told that the miles would be deposited within 3-4 business days. When this date also passed with no miles deposited I messaged again, which resulted in Citibank starting a new " investigation '', though I am not sure exactly why. The CSR was unable to tell me how long this one might take. 

Each month that passes without my miles being deposited results in a {$30.00} charge from Citibank for this " premium '' Citigold checking account. So far it has been over 2 months since the date I was to receive my promotional miles, or {$60.00} in additional charges that Citi has dragged from me because of their stubbornness in awarding the bonus they themselves admit I have completed the requirements for. 

As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XXXX XXXX, 2016. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank. 

Please help me to get my awarded promotional miles. Thank you. 

Note : the password to open the protected citibank leter dated XX/XX/2016 is XXXX
Consumer complaint received 2015-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I have disputed the debt with the credit bureau, and the debtor has failed to validate the debt is mine. I am requesting the collection item be removed immediately due to noncompliance of the section 809 of the Fair Debt collection practices act.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

I have written numerous of letter sent certified and registered mail to this servicer Rushmore Loan Management Service to provide information regarding this mortgage and the note. They refuse to give me the information I requested. Never received the original wet ink signatures only photocopies. This property was constantly trespassed on by Sheriff stating that XXXX XXXX  XXXX XXXX XXXX XXXX XXXX is trying to foreclose on this property which I didn't received a document stating that they are the noteholder or they have a contract with me assigning them as a trustee nor have right to foreclose. I never received a court date for the foreclosure or anything. Recently visit with a realtor coming to take pictures of this property which I was not aware of. My rights has been violated under the Truth and Lending Act, RESPA, and FDCPA by these people and is threating and getting out of hand.
Consumer complaint received 2015-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I received notice of an alleged debt owed to Fair Credit Outsourcing and sent a XX/XX/XXXX Debt Verification Affidavit which was received XX/XX/XXXX XXXX ; XXXX by representative ( XXXX ) or agent ( XXXX ) of Fair Credit Outsourcing. FCO has failed to Validate the alleged debt and has provided information to the Consumer Reporting Agencies that is inaccurate, invalidated, unverified and is in direct violation of the FCRA XX/XX/XXXXs-2, 15 USC XX/XX/XXXXe ( 8 ), 15 USC XX/XX/XXXXe ( 10 ), Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XX/XX/XXXX ( Public Law 91-508 XXXX, 15 U.S.C. XX/XX/XXXX XXXX Public Law 109-351, 801-02, 120 Stat XX/XX/XXXX ), and numerous other violations of my rights under countless Consumer Protection Laws. Additionally, " FCO '' has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent ( XXXX ) and or Representative ( XXXX ) are frivolous. I have not applied for, neither received any services or credit with " FCO ''. I also have no account and/or contract with " FCO '', nor do I wish to contract with them. FCO has failed to respond to the XX/XX/XXXX Debt Verification Affidavit/ Proof of Claim with authenticating proof of a valid claim/verification. " FCO has purchased evidence of a debt for value and are proceeding with collection activity in the name of the original contracting Secured XXXX. XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX. FCO has failed to provide full disclosure as a lawful due process and has agreed to the terms and conditions of the XX/XX/XXXX Debt Verification Affidavit by Acquiescence. FCO by failing to respond by tacit procuration agreed to all terms within the contract/agreement. Respondent XXXX XXXX ) tacitly agrees that the Unsecured Debt Collector herein as the Respondent XXXX XXXX ) waives all claims against me and with respect to any and all collection attempts involving the above-referenced alleged account, and that said collection attempt was fraudulent from the beginning.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i believe under the federal act and amendment that if the original creditor is not filing the compliant with bureau why is the collector not providing enough information to collect the debt or validation of debt it should be remove from bureau until further notice looking for sign contract or terms of agreement collection make frivolous attempt to collect debt as per credit bureau account number XXXX scs collector, XXXX XXXX if debt was transfer debtor should be remove duplicate debt for same entity whom is the original debt collector need original terms or agreement to support the claim making the scores drop and poor judgement, on amounts how can the make cliam i was never notify of debt or collection identity theft
Consumer complaint received 2024-03-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (NC)

I dispute but they not respecting the law I didnt give written consent for them release information information 15 US Code 1681 ( b ) ( 2 ) ,15 US Code 1681 ( a ) ( 2 ) ) (
Consumer complaint received 2024-03-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (GA)

I have requested via phone and via mail for proof that this debt is mine. I have asked specifically for bill of sale or a purchase agreement and after waiting 30 days have not received the items, Instead the collection agency has requested that I ask for this information in writing again.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (NC)

Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX RE : XXXXXXXX  Acct. # XXXX Amount : {$17000.00} The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons.