davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (CA)

On  XXXX   XXXX ,  2017 I did  a balance transfer of  XXXX . I called american express and was told that counted towards my payment for  XXXX   XXXX . Ion  XXXX   XXXX ,  2017 I ca lled them to make my  XXXX   XXXX  payment. I was told I could use my blue rewards cash rewards as part of my payment, so I did this and made an additional  XXXX  payment. On  XXXX   XXXX ,    2017 I g et a call saying I am late with my payment. I set it up to come out on  XXXX   XXXX . Then I looked up my account and remembered I made my payment, so I called back and was then told my balance transfer and my blue rewards did not count as a payment.his is completely wro ng 4  people told  me four diffe rrrnt thing.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

I have opened a Citi XXXX credit card in response to an offer of XXXX bonus XXXX points after spending first {$2000.00} within first three months. The offer arrived in the mail several hours after I have completed an online application with less amount of bonus points. I have called and asked for my application was changed to the right promotion before the card arrived. The representative did not accommodate and after few days, following their advice I closed the first application and reapplied again, this time responding to the correct promotion. I have never used, or even activated the first card. The same promotion ( XXXX bonus points ) was running on Internet every day I was logging on my card account for much longer after I opened the correct card. 
I have completed the required amount of purchases but did not get any points. When I tried to call and find out why I did not get points, I was given different answers every time someone new answered the phone : a ) I did not complete the required number of purchases in time ( someone could not calculate that there are 3 months between XX/XX/XXXX and XX/XX/XXXX ) b ) I opened wrong card, not the one with promotion c ) I had a return ( a class I was planning to take was cancelled ), and that invalidates my points, etc. 
d ) Because I had previously opened another card ( the one I never activated or used ), I am not entitled to any promotion. 
After multiple calls and letters, Citibank issued me XXXX but not the XXXX listed in the ad. I believe they should stand by their advertisement ( both mailed and shown at my banking login ) and give me remaining bonus point. I did my part of the bargain by spending & gt ; {$2000.00} in three months as was required to me. 
I believe that looking for excuse not to grant me what they owe is dishonest and I am quite shocked that the bank with which I do business for over 20 years would resort to such a deceitful practice. I have enclosed the letter I previously sent to the bank and a copy of promotion that was mailed to me.
Consumer complaint received 2015-05-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (MD)

Violation of 809. Validation of debts [ 15 USC 1692g ] I sent SECOND ROUND SUB LLC, a letter requesting validation of debt and they failed to respond with original creditors name, address, original date of delinquency, proof of debt, copy of original contract, payment history and proof of State of Maryland XXXX and Resident Agent name as required by the State of Maryland ; Code of Regulations 7-104.
Consumer complaint received 2022-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IL)

On XXXX I fell victim to theft/fraud. My citi accoumt was compromised and unauthorized access occurred through my bank account/ citi XXXX XXXX XXXX account XXXX A private loan was attempted to be taken out, a line of credit in the amount of XXXX was processed, a XXXX  transaction in the amount of XXXX incurred and a XXXX dollar transfer occurred from my plus account to my checking ( which processed as a line of credit that I now owe ). I called my financial institution ( citibank ) to notify them of the activity and the fraud department associate that I spoke with on the phone was less than responsive to my needs and situation. Her response to my situation was less than supportive, she was aggressive with her questioning, abrasive with her responses and accusatory in nature. She informed me that the transfer from my checking plus to my chevking account was 'not an issue ' and that the money was 'still in my account '. When I informed her that I did not authorize that transaction she asked if I knew a... ( stated some name ) to which i reported I did not know this person. The conversation became less constructive as I felt personally attacked and gaslighted during her questioning and given her responses. She was not supportive of my concerns until after I asked to speak to someone else and also demanded a supervisor. She placed me on hold then later returned stating she would like to diffuse the situation and eventually took my statement ( then only asking questions about the XXXX  transaction ). At the end of the call, she instructed me that my account was being rendered inactive, card voided and that i would physically have to open a new account in person at a branch. I informed her that I did not live near a branch to do so and had asked if she would tell me the closest one available to which she said she could not help me with. This same evening I filed a dispute regarding the XXXX  transaction. Because I was only given the option to file a fraud report for the XXXX amount ( and was concerned that my other needs weren't addressed ) on XXXX I called to follow up regarding the other transactions and report my complaint to a supervisor within the fraud dept regarding the associate I originally spoke with. I was directed to call the identity theft division, needed to call the credit accounts associated with my bank ( to report the other activity ) and was able to add the XXXX transaction to my original report.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

To who m it may concerns, I have  XXXX  public judgments on my credit report that have been satisfied and release but Experian h as refused to remove them from my credit report.   I have called them in vain. I have also disputed these  XXXX  public judgments in vain. I have provided all documents and it is still not removed. These  XXXX  judgments have also been on my credit report for more than 7 years showing release and satisfied but still not removed from my credit report.   Here are the reference #  XXXX  and reference #  XXXX .     There are also others collection accounts collection that have been satisfied with a  XXXX  balance that are just sitting there and not being deleted. Some of them were even deleted before and added back. I can not get any help from Experian and this is now affecting me financially.
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (CO)

The last two years I 've repeatedly asked EOS CCA to stop calling me about a debt regarding XXXX XXXX XXXX Im XXXX XXXX XXXX. EOS CCA has repeatedly told me that they will take my number off their list but this is not the case they have called me at midnight one two and three and four in the morning and repeatedly and one day. This company has called me so much that I 've had to block every phone number that calls my phone except for persona emergency contact numbers. This company has you threatening tactics they told me they would have me arrested again I told them I am not XXXX XXXX.They have also said that they would charge my cell phone bill in oder to collect the money XXXX XXXX owes.
Consumer complaint received 2016-10-06
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The debt is well beyond the Statue of limitations for collection. They have repeatedly taken of on credit report only to add it to others time and time again. The account was sold in XX/XX/XXXX and resold in XX/XX/XXXX. It should not appear on my credit report. They should not be calling family members about this old debt. They should not even be writing me about debt. They have been sued, they have been fined, yet they continue to commit the same unethical acts.
Consumer complaint received 2020-10-03
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: Experian Information Solutions Inc. (GA)

In or about XX/XX/2020, I disputed XXXX XXXX  ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX  requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have discovered the enclosed Assignment of Mortgage on my loan was robo-signed by serial robo-signer XXXX XXXX. 
Robo-signing is illegal in the State of New York. Therefore, making the robo-signedAssignment of Mortgage on my loan fraudulent. Mortgage Line Financial Corp., aNew York Corporation did [ n ] ot exist on XXXX XXXX, 2011 and XXXX XXXX was [ n ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc on that date. 
Mortgage Line Financial Corporation was also [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) on XXXX XXXX, 2011, whom can be reached for verification of this fact at ( XXXX ) XXXX or toll-free ( XXXX ) XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX ).
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

This morning ( XX/XX/XXXX ) I contacted Citi BankXXXX to inquire about my XXXX rewards check I should be receiving. They immediately told me I would not be receiving the rewards check since I was enrolled in a debt management program and my card was closed. I asked to speak to a manager and explained that before enrolling in the program I called a couple of times to confirm that I would still be receiving my XXXX rewards check even though the account was closing and they very clearly confirmed that was correct. However they did want me to understand that I would not be receiving any more reward points in addition to the points I already had since the card was going to e closed and not being used which made perfect sense me. The reason for this complaint and what is not okay with me is being lied to that now all my rewards are gone/forfeited when I was assured that I would be receiving the check. I wouldn't have enrolled in the program right away if I would have been told that as to avoid losing the certificate when it was just a few months out from distribution. The manager explained they would issue a credit to my account for what the certificate amount was for however that is unacceptable because that does not provide the money to me immediately for the benefit. In addition having a credit does not benefit me immediately since I am not able to use the card since it is closed. The manager stated this information was in the terms/conditions and I explained to him this was NEVER communicated to me in any term or condition nor was I provided any paperwork stating this and or agreeing to it. It is unacceptable ultimately in the communication I was provided and that it was confirmed I would be receiving the check in which I am needing to have resolution on this.
Consumer complaint received 2016-10-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (PA)

I received my Direct Deposit on XX/XX/2016 the amount deposited was over XXXX dollars. When I checked my balance TD Bank had over drawn my account XXXX or more. When I called in to speak to the customer service representatives they were helpful and one rep replaced only XXXX dollars. I called back and spoke to a supervisor who only replaced XXXX dollars. for a grand total of XXXX dollars of my monies returned. 

Not to mention none of the items that they returned was paid.
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

We have a mortgage on our primary residence with BofA that is delinquent. During the last 2 years we have been caring for by a son with XXXX XXXX XXXX who has needed our assistance, we are his only family. We are retired, my husband is XXXX and I am XXXX. We have a small business that we had to neglect to help him out. We were also unable to file our XXXX taxes but did get an extension. His surgeries and treatments have been expensive and time consuming. To save our home we sought and were approved for a reverse mortgage that fell short of the balance owed BofA. We have enough money to bring to closing to cover the principle but not the accrued interest or penalties. We have asked BofA to accept this. It is not dissimilar to what a home owner would request of a mortgage modification or short sale. After XXXX other complaints with CFPB they told us that they could help us. We were asked to provide all of the HAMP documentation which we have completed. Yesterday we were informed that they could not consider our case because we did not file a tax return for XXXX. I did some research and found via the HAMP website that is accessible by the servicers that in their FAQs that we are eligible for a modification even if we do not have a tax return for that year as long as we sign and send a Form 4506-T which we have done. I have also found in the HAMP Supplemental Directive XXXX that if tax returns are not available that other means of determining income verification can be pay stubs or bank statements. I have attached those references. We have provided 3 months of bank statements with income deposits indicated for our business, pensions and social security payments. We have provided a detailed P & L for XXXX, YTD XXXX and a pro forma for the remaining months of XXXX. We began this process in XXXX and have very little time before the reverse mortgage will expire. We informed BofA of this but it really feels like they are dragging their feet. We make daily and sometimes multiple calls per day and it has been typically 24 to 36 hours to get a response. We have talked or left messages with supervisors and supervisor 's supervisors and now are told that they will not consider our case. This seems like an inappropriate conclusion made by BofA and it feels like since we have equity in our home that it they do n't need to help us out because when they foreclose they will be made whole. It also seems inappropriate that assistance is offered to every other kind of situation but no assistance is available to us. We have demonstrated the ability to qualify for a reverse mortgage and can cover the principle balance. Their reason for refusing to consider our request appears to us to be incorrect. Can you help us or direct us to someone who can. We have about 10 days to get this done.
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter to Trans Union letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Trans Union refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Trans Union provided no physical evidence to why they wo n't remove it, according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Consumer complaint received 2015-05-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc. (CA)

I am getting repeated harassing phone calls where no one even speaks when I answer. According to caller ID and XXXX phone bill these calls are coming from FNCB INC at ( XXXX ) XXXX, a debt collection agency. 
I have not debts in arrears, These people have not written me nor talked to me on phone-just repeated calls with no one there when I answer. 
Called me XXXX this morning and woke me up at XXXX XXXX and XXXX XXXX. I am ill and in bed and harassed by this dumb tactic? 
This company also called two weeks ago and same thing-no one spoke when I answered phone. 

Is this some new bizarre tactic by bill collectors?? Harassing calls without even speaking to the people they bother by calling? Unprofessional.Maybe if they can get me to call them it opens the door for more contact?
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION (IL)

I have a loan for a bathroom remodel. The company is XXXX XXXX, but I believe they utilize XXXX Bank. I make the monthly payments. of {$150.00} until loan paid off. I received notice that IF I continue to receive paper statements, the company is going to add a charge of $ XXXX payment. I believe this is not justified : reason : I have visual impairment so I always use paper statements so I can track my expenses. I can not do online payments, or text via cell phone because of my poor vision. That is why too, you see the size of this font???? I need to continue to receive paper statements @ no charge so my impairment can be accommodated! Please intervene. XXXX ( because of my vision I do not know IF file I choose to upload is correct bill. Yet it has my account info.
Consumer complaint received 2020-10-03
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: EQUIFAX, INC. (GA)

In or about XX/XX/2020, I disputed XXXX XXXX  ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX  requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems on or about XXXX/XXXX/15 added XXXX erroneous accounts to my credit reports. When contacted they admitted in writing that the XXXX accounts were added to the bureaus in error the week of XXXX XXXX 2015. But they refuse to remove them before the first week of XXXX 2015. We are in the process of getting a home loan and the XXXX erroneous accounts Midwest Recovery Systems added to my credit reports has caused my scores to drop below the minimum qualifying score for my loan. They were able to add the XXXX erroneous accounts during the week of XXXX XXXX 2015 which was not the first of the month and they should be removed immediately before the XXXX week in XXXX.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (GA)

I have contact ed Caliber Home Lo ans multiple times regarding an incorrrect balance increase they reported to the credit bureau and an increase in my escrow account because of an error of their end for the amount they set my escrow account at and also then paying the e ntire 2016 propert y tax amount when I did n't close on the home until  XXXX   2016. Ea ch time a representative assured me they will find the problem and contact me back. I was never contacted back so I started asking for a supervisor. A supervisor returns my call and assured me she would correct my problems and close my escrow account. I never heard back from her again. I started calling again. Exact same recourse. Another supervisor contacted me and the same spill. Never heard back from her again. My credit is still lower and they are charging me over {$150.00} a month extra each month and wo n't return my call or fix tne issues.     I have documented emails from differ ent Caliber representati ves and there is a customer survey that should be on file of all problems and errors I experienced at closing prior to this new issue. All phones calls were recorded so every minute of this should be documente d. Caliber has  spent my escrow account in error and now charging me more money, lowered my  credit score for a n incorrect balance increase and will not return an email, or phone call. Each new person says enough to get off the phone then ignores me and does not do what they assure me they will do. One representative even disclosed they do n't even have my proper uodat d closing documents on file that they messed up multiple times at my closing when we tr aveled 3 h ours for closing to almost not be given the keys to our new home. My next step will be obtaining legal counsel if this is not resolved and I 'm mislead once more about this being handled.