davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (OR)

I was issued a Citibank Costco Visa card in early XXXX 2016. The first statement of the new card closed on XXXX XXXX, 2016, following the transition from XXXX. Owing to the fact that my account was linked to my bank account through XXXX, no payment was made on a balance of approximately {$760.00}. Two days after statement closing, I received a phone call from Citi collections in which my credit rating was threatened and specific statements were made about delinquency. I subsequently paid the outstanding balance on the account. The following day, without my permission, Citibank closed my account - despite the presence of approximately {$68.00} in cash rewards outstanding. Once again - no request to cancel the account was made. 

Subsequently, I have requested the account to be reopened on two separate occasions. In fact, I received a call from Citi indicating that the progress was slow and they wanted me to file another request. I am disappointed in the fact that a representative closed an account without my permission and the overall poor service I have received.
Consumer complaint received 2015-04-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solidus Group LLC. (TX)

For a year I have been called about a debt by delaware solutions, but they do not disclose the debt they just call it check fraud sometimes it is XXXX or XXXX companies calling on the same debt in the same month, they say they are a legal dept but will be specific. They keep calling my place of employment even though they have been asked not to by me and the others in the office, I will loose my job they called my office XXXX on XXXX/XXXX/14. They use robo calls and threaten with jail and fines I have spoken with these debt collectors and requested they send me all the information on the original debt including my signature that says I agreed to such a contract, they then get irate and start yelling, I refuse to give them any of my personal information but they continue the call, they think because they have the last XXXX digits of my SS number that I will agree to pay them money, they threaten jail time and fines if I do not pay with in a few days, after I refuse the calls stop for a week or XXXX and start right back up. I have them blocked from my personal phone but they keep calling my work, they even called my brothers house phone I did n't even have that number. How they got it I do not know. I just want this to end a year of this harassment is more then anyone should have to endure. Attorney 's say they can not do anything because these companies change locations. You would think after a year they would know I am not giving them anything and move on.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (GA)

I am hereby writing to you with respect to the Citi Prestige card ( card number referenced above ) and the Annual Companion Ticket. 
I became a Citi Prestige card member on XXXX XXXX XXXX. Upon joining at this time, we received documentation from Citi Prestige indicating the applicability of the Travel Companion Ticket and its conditions ( refer attached ). 
XX/XX/XXXX, I was advised of some changes impacting the Citi Prestige card, one of which was to the Annual Companion Ticket. However, the documentation which I received from Citi Prestige ( refer attached ) indicated that the Annual Companion Ticket for travel to any worldwide destination and XXXX % savings on airfare must be booked within a year from your first cardmember anniversary date. 
When I read this, I was of the understanding as clearly stated in this communication that I would have until XXXX XXXX, XXXX to make my booking and be eligible to utilize the Annual Companion Ticket. 
In light of this on Sunday evening XXXX XXXX, I called Citi Prestige to understand the booking process for a trip I have planned for later this year with my wife. To my shock, the customer service representatives who spoke with me said that I was not eligible for the Annual Companion Ticket. What was also perplexing about this was that when I inquired as to why I was not eligible for the benefit, I was provided different reasons by multiple representatives, none of which made any sense including one representative who indicated to me that it was perhaps me who was n't comprehending the 'changes are coming to your Citi Prestige Card document even though this document clearly indicates the Annual Companion Ticket for travel to any worldwide destination and XXXX % savings on airfare must be booked within a year from your first cardmember anniversary date. 
In this respect, I will be filing a complaint with the Consumer Financial Protection Bureau and furthermore, I would like to highlight my disappointment in the customer service I have received with regards to this issue where I have been made to feel like I am the one in error. I am U.S. permanent resident who moved to the U.S. in XX/XX/XXXX. I have banked with Citibank since this time and also held a Citi Credit Card since XX/XX/XXXX and I have never been so disappointed in the Citi service, and ultimately their representation of their product. 
In summary, I hereby kindly request that Citi Prestige uphold my eligibility for the Annual Companion Ticket as is stated in their communication.
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EOS Holdings, Inc. (CO)

I received a negative collection on my Experian credit report for the company EOS CCA. It shows the original creditor to be XXXX. I do not have nor have I ever had any delinquent accounts with XXXX. I contacted XXXX and about this issue and they stated that they had no record of a collection or any type of delinquent account in my by my SSN/Name. I disputed the collection with Experian and it came back as being founded. This is NOT my account and this EOS CCA company is fraudulently putting times on my credit report.
Consumer complaint received 2015-09-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (AL)

Looking to refinance investment property with Green Tree Lending Service and submitted personal information almost a month ago. The company took all loan information from my partner and myself and has not responded back to any of our call concerning the process. We are told that if another loan agent take over he/she would have to conduct another credit check and basically start the process all over which would not be good for our credit scores. We both have good credit and have been owning the property for a number of years. XXXX XXXX agent : XXXX XXXX, phone XXXX Ex XXXX
Consumer complaint received 2016-11-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC (OR)

Repeated phone calls from Ditech stating we need to contact them about a debt we owe. No one in our home has ever used Ditech or Green Tree and none of us have outstanding debts. I suspect they are using our information to try and find someone we 're related to, or an ex. Probably bought this debt from the last XXXX we reported for the same scam-type behavior.
Consumer complaint received 2015-08-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (KY)

I have XXXX loans serviced by ACS. I made XXXX payments in XXXX, XXXX over the amount of my monthly payment, thinking it would be applied to my XXXX payment. ACS informed that they do not accept prepayments and my XXXX payment is now past due. I have paid ACS more than my monthly amount numerous times over the past year and the money has never been applied to the next month.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK (CA)

To whom this may concern, I am writing in response to claims by Scottrade that they will not respond to the CFPB. This bad behavior by Scottrade appears to be a repeat of other bad behavior. 

In the attached you will see that Scottrade for a period of no less than 2 years hide behind the OCC while defrauding regulatory agencies by maintaining the veil that their company has less than XXXX XXXX in assets.
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (IL)

I wanted to use my credit card to purchase tickets for the upcoming XXXX XXXX XXXX in XXXX ; tickets were allocated through a lottery when if the lottery was successful the credit card on file would be charged immediately. I notified the bank that the charge would be coming not to reject it ; three days later when the charge came through it was rejected by the bank cancelling my application for tickets automatically so now I lost the tickets I was allocated. My request for processing this information is in their system in my account and still the charge was not processed
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CT)

I had opened an account with Scottrade Bank some time ago. The account was left dormant and forgotten about. 

However, I recently tried to call Scottrade Bank to check my balance and close my account. After talking to support from the National Service Center I want told that I was unable to close my account because it had a negative balance. 

The support person told me on the phone that this was a result of fees I had agreed to when opening the account. I asked the support representative for a copy of the account agreement and was told I needed to contact my local office. 

After contacting my local office they said they could mail the requested information to me, but after 6+ weeks, I have yet to receive a copy of the contract and dispute provisions.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: INVESTORS BANK (PA)

We had a mortgage with XXXX bank, investors bank took the loan over during acquisition. At the time of origination the loan was an automatic deduction from bank account, once investors took over we were told to pay thru their online system. Problem is payments have been applied in a way that makes no sense, they are applying partial payments when they should be full payments. They did fix the balance at one point but it 's all screwed up again. Every contact with the servicing department is giving a different answer each time you talk to these people. We are very frustrated because we have never received one statement from this account and their online mortgage system is n't accurate. I have called their customer service XXXX in XXXX, sent email XXXX and various emails to mortgage service department. They have put all these late charges on our account that we do n't owe, resulting in collection department constantly harassing us both at home and work. These people refuse to call you including the XXXX, I do n't know if the servicing is done by third party but it is unacceptable.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

To whom this regards, I am writing this complaint after my Son and I opened a Scottrade account roughly 3 years ago. The Scottrade account was a joint custodial account with account number XXXX. 

I understand my Son later created a Individual account after turing XXXX, but the subject of this complaint has to do with XXXX. 

I understand that Scottrade suffered a data breach, that left the personal information of many exposed, Scottrade published a Press Release here : XXXX
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NC)

Transworld Systems is reporting that I have a debt with them from XXXX. This account is not in my name. The account is in the name of XXXX. I have disputed this account, but they continue to report it on my credit report.
Consumer complaint received 2017-01-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NC)

I opened a new PNC checking account on XX/XX/2016 in response to a {$300.00} new account bonus that was advertised. 
I met the two requirements of the bonus, including ( 1 ) 10 debit card transactions which were completed on XX/XX/2016 and ( 2 ) direct deposits totaling {$5000.00} which were completed on XX/XX/2016 and XX/XX/2016. Attached is documentation showing the promotion, completed debit transactions, and account alerts I received confirming that two {$2500.00} direct deposits were made. 

PNC should have credited my account with the bonus by now, but they have not. I 'm requesting credit for {$300.00} honoring the promotion.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: MOHELA (SC)

I have a student loan with Mohela that I am paying on time, it is not delinquent. 
The payment for XXXX 2017 is due now and 16 days past due and they are calling my mother about this debt. she has nothing to do with this loan, thee loan is in my name only. 
This is harassment.
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I have received several phone calls from a fraudulent group claiming tobe Macy 's and stating that I have personal financial business they needto discuss with me on behalf of Macy 's. I have since contacted Macy'sdirectly and I owe them no monies and there is no update on myaccount that they were privy to that I needed to be notified about. 
This fraudulent caller has continued to harass me even though I havenot answered since the initial phone call from phone number ( XXXX ) XXXX.
Consumer complaint received 2016-09-13
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (WA)

Private student loan collector contacted me by phone at my place of business on XXXX/XXXX/2016. I requested they not call there because it causes professional damage and cited the Fair Debt Collection Practices Act. I told them they could contact me via mail. They then contacted me again at my place of business on XXXX/XXXX/2016 and I requested again to not contact me at work.
Consumer complaint received 2015-09-02
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: GVA Holdings, LLC (OR)

Calling a private business phone. The phone is located in the lobby of a major hospital in XXXX Oregon. The line that gets called redirects to a specific unit, employees at this hospital have no knowledge of the name of the XXXX persons that they are calling for. Multiple staff have repeatedly explained that to the company and have asked to have the nubmer taken off their list, and they continue to call daily.
Consumer complaint received 2015-04-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (WA)

This is a copy of the voice transcript of a message from Trans world Systems. They think I have a debt. 
" company (? ). This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return the call to XXXX XXXX-either (? ) at XXXX. Again that 's XXXX had either (? ) at XXXX. Thank you. Trans world systems Incorporated is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. When calling please refer to your ID code XXXX. Thank you. ''
Consumer complaint received 2016-11-14
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Lazega & Johanson LLC (GA)

A creditor Lazega and Johanson threatened to sue me on a private student loan debt where the statute of limitations had expired and also threatened to sue my mother who is listed as the co-borrower. In addition they threatened to add fines and additional fees. They then attempted to garnish my wages form my employment which lead to my termination.
Consumer complaint received 2015-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: On-Site Manager, Inc. (NJ)

XXXX XXXX XXXX out of New Jersey placed a judgment on my consumer report that was false. I was told that the record would be removed, and was given a sheet of paper indicating that they would rent to me again, that all my balances were paid in full, and that I never had any Nonsufficient funds issues. The false judgments are still on my consumer report, and never once did I have to go to court for any judgments. It is preventing me from being able to rent from other places despite the document due to the public record.
Consumer complaint received 2016-04-06
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC. (VA)

My mother and cousin was contacted by Premier Recovery Group XXXX. A lady by the name of XXXX XXXX has called my mother and cousin SEVERAL times. My cousin was contacted over 10 times today and XXXX XXXX got nasty with her and cursed at her using the XXXX word. She told them she needed to speak to me because I committed fraud. She threatened legal action. This is totally unacceptable and harassment.
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Billing statement — 
Company: Synovus Bank (CT)

FIRST PROGRESS SECURED CARD DOES NOT ANSWER PHONE OR RESPOSE FROM MAILING MY COMPLAINT THEY STATE THEY WILL REPORT TO ALL CREDIT BURUES THEY HAVE NOT DONE SO AS STATED ALWAYS WRONG INFO THAT HAS HURT MY SCORE NOW I HAVE A LETTER THAT SAYS I HAVE BALANCE OF XXXX AND A CREDIT LIMIT OF XXXX BUT WHEN I PULL UP MY ACCOUNT IT SAYS I AM NEGATIVE MONEY NO AVAILABLE CREDIT
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (OH)

I purchased an item with my Macy 's credit card, and never received notice of my late payment or my account statement balance. I discussed the situation with Macy 's and they removed the late payment fees because they acknowledged that I never received a formal invoice requesting payment. My credit score has been severely affected by this situation and I would like to know how it can be fixed.
Consumer complaint received 2016-12-19
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Auto Trakk, LLC (DC)

I have requested debt validation from Auto Trakk several times and to date have not received anything. I am rerequesting a contract or something which bears my signature and shows that I owe this debt or I request that it be deleted from my credit report as it has bot been validated after several requests.
Consumer complaint received 2016-03-01
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: RSH & Associates, LLC (KS)

I have had representative XXXX XXXX call my business phone after advising multiple times to remove my business phone from their records but they continue to call and harass and are borderline stalking. They are rude, invasive and frankly their collection tactics are unchristian like as represented in their need to sale to companies to collect debts. They have threatened to add my debts to my husband 's credit and debts that were established prior to our marriage. This is illegal and they have no right to do this. This company is absolutely rude and their workers insult and will talk over you, hello you called me to collect a debt and being rude and invasive will not help you accomplish this.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Blitt and Gaines, P.C. (KS)

On XX/XX/2016, I received a dunning letter signed by an attorney on Blitt and Gaines , P.C . stationery. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. 
The attorney filed a lawsuit on XX/XX/2016 against me within the thirty ( 30 ) days. I have had to defend in court while another Blitt and Gaines attorney continues to send dunning letters without proper validation. In court, the attorney for plaintiff is shifting the burden of proof onto myself.
Consumer complaint received 2016-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TN)

I tried to submit a teacher loan forgiveness application and they lost my application. I submitted the application again after talking to XXXX people at Nelnet. Then when I called back to check on the status they told me that I needed to submit another form for a different school that I worked at. I had already called previously and asked if I needed to submit any other papers and they told me " no ''. Therefore, I have been paying my loan for 5 months and it should be forgiven. I am still paying my loan because I have to wait for them to approve the new forgiveness paperwork.