davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (FL)

I attended XXXX from XXXX. Was promised job placement and guaranteed my credits would transfer to other colleges but instead I received a useless degree that no one would accept and racked up about 40k in private and federal loans. Advisors had no ideas about career paths or educational requirements for these. I was even told that job placement was more for medical students than XXXX majors when I attempted to get assistance. I was registered in classes that I did n't have to attend just sign in at the beginning of the week. All I wanted was to get a decent education to stay off the streets and instead I 'm being drowned in debt and had to start from zero to get a degree at XXXX. Apparently XXXX sold or partnered up with University accounting Services in order to continue stealing students money.
Consumer complaint received 2016-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: MOHELA (MD)

I have been trying for years to determine how my loans have the interest rate they purport to have because I do not believe it is correct. When I spoke with my loan servicer, I was advised to contact the department of education. When I contacted the department of education, they told me to contact my loan servicer. I was finally able to obtain a marginal print-out of my student loans but it STILL does not contain the ( 1 ) actual notes indicating the interest rate, and ( 2 ) it also failed to show some of the interest rates on my loans claiming that the interest rate is variable. Last year, I found a major discrepancy in how my interest was being capitalized which led to an approximate {$14000.00} modification to my outstanding loans. I want to make sure that the proper interest rate is being applied to my loans. 
Moreover, I want to confirm that the principal on my loans are correct as well. 
All avenues that I have tried have failed to provide me with : -proof of the interest rate ( as it was upon execution with my loan documents ) ; -proof of principal ( as it was upon execution with my loan documents ). 

I can not understand why no one can provide me with a copy of my loan documents, and also provide me with proof of my interest rates. 

I will pay the debt I owe, but I believe I am being overcharged. 

Thank you for your attention to this matter.
Consumer complaint received 2016-01-04
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

On XXXX XXXX, XXXX, I entered an agreement for Transworld Systems , Inc. to accept temporary monthly payment arrangements of {$5.00} ( due the XXXX of the month ) in conjunction with my request to participate in the XXXX XXXX XXXX XXXX XXXX program, as authorized XXXX. I received letters from the company dated XXXX XXXX, XXXX and XXXX XXXX, XXXX ( was received via email as an e-notice on XXXX XXXX, XXXX and XXXX XXXX, XXXX ) of my authorization for the company to deposit the amount of {$5.00} on XXXX XXXX, XXXX. As agreed, the amount of {$5.00} was debited from my XXXX XXXX XXXX Checking account by Transworld on XXXX XXXX, XXXX and posted to my checking account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX ( letter dated XXXX XXXX, XXXX ), I received an e-notice from Transworld Systems , Inc stating that I agreed to send payment in the amount of {$5.00}, due on the XXXX of the month, and that the payment was due and not received. This company is requesting that I send a current balance of {$22000.00}. I contacted the company on XXXX XXXX, XXXX to resolve this issue as well as visit the website listed, XXXX.com to file a complaint, however, in order to file the complaint I need to enter the registration code which has not been provided to me in any of the Transworld mail correspondences. Currently, 15 % of my biweekly wages are being garnished.
Consumer complaint received 2017-02-17
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MI)

It 's actually XXXX of the above. This number calls me 3 times a day, one of the calls coming between XXXX to XXXX, and I 've had to resort to using a call blocker app to not have my phone go off during class.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ClearOne Advantage, LLC (NC)

On or about XXXX I entered into a program with ( COA ) CLEAR ONE ADVANTAGE to pay off a creditor ( XXXX ) XXXX XXXX XXXX XXXX. Clear one made a settle agreement with XXXX in the amount of {$5700.00} with fees included of {$3400.00} for a total of {$9100.00}. I have been paying {$250.00} per month from XXXX to today which comes to {$4400.00} paid to date. Once I learned that Clear One was only paying the creditor {$10.00} per month I started asking questions, " How much has XXXX been paid and how much was COA was paid in fees ''. I logged into my account but was unable to find much information. I did find a vague Activity Statement but it did not explain what was going on. I sent emails and made many phone calls also. On XXXX I canceled the program with COA and made a direct payment arrangement with XXXX. According to COA I owe them another {$500.00} in addition to the {$4200.00} already paid. When the fee going to COA was only {$3400.00}. My balance with XXXX still remains, COA took all of the fees up front. I do not agree with how COA does Business I have been cheated. All or most of that money could have been paid to XXXX. I am a XXXX XXXX Veteran on a fixed income, I can't afford to be ripped off.
Consumer complaint received 2015-06-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (PA)

I was unemployed XX/XX/2012 and filed for deferment of my federal and private loans and completed all paperwork as requested. XXXX properly deferred my federal loans but did not apply the deferment to my private loan and did not inform me that the private loan was not deferred. Due to this they defaulted my private loan, despite me completed all of the required paperwork. I was never informed that this could not apply to my private loan.  This situation has caused me much financial hardship since and has been a very large burden to deal with, despite being employed now. I am demanding XXXX and or whatever collection company is involved, restore my private loan back to a current status, as well as restore my past credit history to reflect my loan not having entered a default status, being that it was due to the negligence of XXXX that my loan defaulted and not any fault of my own.  I have made multiple attempts to try and get this situation resolved; however, I have not received any correspondence addressed to me despite the fact that I have attempted to reach out multiple times to all parties involved and XXXX always being aware of my new address. I am requesting an immediate restoral of mine and my co-signer's credit to a positive credit reporting, as well as an opportunity to resume reasonable payments to my account as long as it is not made in a negative status. If this matter is not corrected in an appropriate and ethical manner, I have already seeked out an attorney and will proceed to pursue this matter legally.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

I applied with CitiMortgage, the servicer, in XX/XX/2015 for loan modification - particularly for interest rate reduction from current nearly 7 %. After I provided them with all documents they asked, they would change the customer service representative and the new one will ask for everything again. This has been going on since XXXX, 2015. I do not think they want to reduce the interest rate and want the program to expire. 

My property address is XXXX XXXX XXXX, XXXX, MD XXXX. The loan # is XXXX.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

This is a second complaint to follow up on my previous complaint against the Bloomingdale 's card. Bloomingdale 's improperly credited a returned item by sending gift cards instead of crediting the credit card account - notwithstanding the fact that Bloomingdale 's card had agreed to credit the account prior to the return being made. Subsequently, Bloomingdale 's promised on numerous occasions over more than 10 hours of phone calls from me to them, to fix this error, but never did and instead ended up reporting me to the credit agencies. After a complaint to the CFPB, Bloomingdale 's finally fixed this issue ( thank you CFPB! ). However, I have now received a new invoice from Bloomingdale 's showing finance charges due related to this issue. I had not charged anything else on the Bloomingdale 's card, so there could be no other source of this finance charge.
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AL)

I paid the wrong Citibank credit card by accident at the beginning of XXXX by {$9000.00}. There is a credit to my Citibank credit card in the amount of {$9000.00}. They have yet to send me a check for the credit after numerous requests and telephone calls.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I received an offer in the mail for a XXXX Checking account which stated I would receive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX miles after opening the account and meeting the promotion terms. 
I met the promotion terms, but never received my miles. I opened an investigation with Citi regarding the promotion, and at the end of the investigation Citi determined that there was never any promotion attached to the opening account. 
This is an absurd " resolution. '' I received a letter in the mail in my name from Citi offering the promotion, and the customer service representatives I spoke with before opening the account and after opening the account all confirmed that I am eligible for the promotion. 
Now that I 've met all the promotion terms and conditions, Citi is refusing to give me the XXXX miles.
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (OH)

On XX/XX/2015 I attempted to use a a XXXX XXXX XXXX. This card denied to be used. 
I reviewed the card and it had a valid thru XX/XX/2015 date. I had not needed to use the card untiltoday. I contacted Citi Customer Service on XX/XX/2015 to have the card reissued. I spoke with XXXX # XXXX and supervisor XXXX # XXXX. Both representative indicated that the card could could not be re-issued. There was {$200.00} on the card. And, that the {$200.00} was lost.
Consumer complaint received 2016-06-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (HI)

Citibank promotional offer for XXXX american airline miles for opening a citigold account. Opened account in XXXX XXXX, completed prerequisites in XX/XX/XXXX, points have not shown up as of XXXX XXXX XXXX. After many messages with Citi, points were promised on XXXX/XXXX/XXXX, never showed, now my case is thrown in a pile with a huge backlog, i 'm told.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

I received and activated Citi Costco Visa card. It was supposed to replace XXXX XXXX card. My XXXX card stopped working and Citi Visa although activated successfully - is being declined by all merchants. All calls to Citi result in the message : " We experience a large volume of calls. Call us back some other time ''. I tried calling and emailing Citi for last 24 hours to no avail. I am traveling today and unable to pay for food, transportation, lodging or basic necessities as I traveled with only XXXX and Citi cards.
Consumer complaint received 2016-09-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TRUHOME SOLUTIONS, LLC (MO)

In XXXX XXXX, my mother and I closed on a refinance on her property. Since then a lot has changed. The mortgage was sold to TruHome without any notification to either mother or myself. There was also a Hardship Application we could file in case of hard times. Now TruHome is refusing to follow through with the Hardship and wanting to scam or steal the property my mother has lived in for over 50 years. They say I now do n't have anything to do with it and my loss of employment will not count on the Hardship Application. The person I talked to on XXXX XXXX, XXXX stated they just received the Hardship Application when I have proof in print that the paperwork was received by that same office on or before XXXX XXXX, XXXX. It is clear that they are lying and are clearing trying to take the property for no reason but for their own profit with no regard to the XXXX XXXX XXXX woman in not good health on the street.
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I am very concerned about a late payment that is still showing on my credit report fro my CITI card which I opened around XX/XX/XXXX. In XXXX or XXXX this card was fraudulently used at a gas station without my knowledge. I have not used this card before nor had I incurred any sort of balance that required my attention. I was very shocked and confused when I tried to lease a car and was told I had a recent late of 30 days showing on my credit report for XX/XX/XXXX. This was fraud and I called Citi and was assured by them that this was not my fault and the late that are showing on all three of my credit reports would be mended to show current and never late. I received a new card and have this card at home in a safe. Please, i need this awful late payment removed from my reports because I have a business and require my personal credit as collateral at times. I was not responsible for the late payment and the associates an date management assured me many times that the 3o day showing on the reports would be updated to show current/never late. 

Thank you, XXXX
Consumer complaint received 2017-01-22
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (MD)

Hi. I 'm a young guy and have XXXX credit cards, using them responsibly to build a good credit history. I have never missed a payment, and always pay in full. But, I 've since realized that one company, CitiBank, has been manipulating my balance by not applying cash rewards through statement credit as a valid payment. For example, if my statement is {$100.00} dollars, and I pay {$90.00} through a payment and {$10.00} from a statement credit cash back reward, they do NOT count my statement as paid in full. That means at the end of the month I get charged interest on the entire {$100.00} because they chose not apply the statement credit as a legitimate payment. There is nothing that clearly states this when using the statement credit ; the terminology and wording is abstract and not specific. Besides this being a practice that should be outlawed anyway - as it 's clearly an attempt to squeeze interest charges out of card-holders.
Consumer complaint received 2015-04-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (MI)

I got a receipt today at TCF Bank which was very, very deceptive.The available balance included my overdraft protection account, BUT NO WHERE ON THE RECEIPT DOES IT STATE THAT THIS BALANCE INCLUDES THAT ACCOUNT.It is so easy to see they are trying to rip people off, as they will mistakenly believe more money is available than they actually have, and will overspend and get charged fees and a high interest rate on money they think is theirs.Anyone who has already overspent because of this egregious deception should be reimbursed immediately!!! ( the XXXX and XXXX will surely be most victimized ) TCF Bank should be ashamed of their unlawful business practices and I hope a lawsuit is on the way.
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MD)

Please contact me Brooks Brothers fraudulently let someone get a credit card in my name and allowed the limit to get overdrawn and to become derogatory/delinquent. Please let me know what can be done as I have made a telephone complaint to you all ( C.F.P.B. ) and have called Brooks Brothers and Citibank, who is the creditor for Brooks Brothers ( both ) to rectify this issue. It is affecting my lending opportunities, credit, and my current interest rates. Please help me as soon as possible. Below is my credit history ( according XXXX who switched to XXXX ) since XXXX of this year. 

Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Fraud Alert XXXX/XXXX/16 XXXX The bureau reported that you placed a fraud alert on your own credit report so that lender ... 
New Inquiry XXXX/XXXX/16 XXXX A potential creditor or employer reported that they pulled a copy of your credit file beca ... 
Fraud Alert XXXX/XXXX/16 XXXX The bureau reported that you placed a fraud alert on your own credit report so that lender ... 
New Account XXXX/XXXX/16 XXXX XXXX A lender reported that a new account opened in your name New Inquiry XXXX/XXXX/16 CITICARDS-BROOKS BROTHER A potential creditor or employer reported that they pulled a copy of your credit file beca ...
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (WI)

With XXXX Exxon Mobil / CITI card. I have never paid this account late. It has always been on auto pay. XX/XX/XXXX something happened in their system and it made a auto payment from a closed account. If you look at the statement for XX/XX/XXXX it has the date of the payment as XX/XX/XXXX. From the file named " exxon payment '' you can clearly see the date of the payment and also it was from a different checking account than any other recent payment. They even credited back all charges and fees. I tried several attempts to get this corrected and they say they will but never follow thru.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NY)

I have a citi double cash credit card that I noticed fraudulent charges XX/XX/XXXX. I immediately notified citi and they cancelled the account and I was told I would receive a new card within a week. I should have received that card around XX/XX/XXXX but never did. I called for an explanation and did not receive one. Since that time the account was not accessible and the balance remained the same, with fraudulent charges and eventually I noticed it was receiving late charges. I called again XX/XX/XXXX and was told the best option would be to pay it so I did, thinking that eventually the issue would be resolved. I sent an email asking for any information and was told to call and confirm my address and that the late fees would be waived. I still have yet to receive any correspondence from citi and my money has not been refunded ( about {$600.00} dollars worth ).
Consumer complaint received 2017-03-13
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Citigold customer service has sent a letter denying my {$400.00} promotion for opening a savings plus account and depositing XXXX with them. Every representative officially has confirmed that i should be getting the {$400.00} promotion in my account. I am including proof of that as well. My frustration is that after waiting for 6 months, citi has declined paying out the promotion. I would like to be compensated for all the inconveniences in additon to the {$400.00} promotional offer.
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (FL)

Citibank promotes an XXXX business card that promises to reward you a {$99.00} companion ticket when you spend {$30000.00} in one year. We met the spend requirement over XXXX weeks ago. It has now been XXXX weeks since we paid the annual fee for the second year with the card. We have made multiple requests for the reward for the {$30000.00} spending for last year and never received any reward. Every time we called they said it should be there in another XXXX weeks.