davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (GA)

My mortgage company advised me XX/XX/XXXX that it would suspend all collection and interest activity due to me having experienced a home fire and the home not being habitable. Since XXXX MT Bank has held funds in excess of {$89000.00} and is aware of my intent to payoff the principal balance due, especially since they had failed to cease collection, interest and unlawful escrow practices. I spoke with a supervisor XX/XX/XXXX who assured me that all erroneous interest and escrow balances that have increased the amount due since XX/XX/XXXX would corrected, removed and my payoff balance adjusted accordingly. The deadline she gave me has passed and no thorough investigation or ownership of my unique situation has occurred. I have spoken continuously with representatives from MT Bank, and kept logs of all correspondence since XX/XX/XXXX, and have constantly received confusing and incorrect information regarding my intent to pay off the principal loan balance of {$68000.00} as reported on my credit file and have the difference of my withheld funds in the amount of {$21000.00} returned to me. Currently they remain in violation of the Act and continue to hold my funds unlawfully with no interest accruing in my favor.
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (AZ)

When I lived at a residence in XXXX during my time at XXXX, we leased from XXXX. When I moved out, I spoke with the rep who said we did n't need to do anything else, but they kept the security deposit due to a need for cleaning/paint. They gave me a final bill that stated our balance was " {$0.00} ''. Fast forward about a year, and I started getting calls from Hunter Warfield/ collections agencies saying that I owed XXXX over $ XXXX for " new paint '', despite the fact that they kept the security deposit already for this, and had provided me with a {$0.00} final balance statement. 

Whenever I tried to contact XXXX to correct this mistake, they refused to take my call, nobody was ever at their office, and they began blocking my calls. However, every time I confirmed the situation with the collection agency ( who said they would close the case ), a few months would go by and someone else would call again, saying XXXX refuses to drop the case. 

Most recently, I have looked up XXXX and they have been shut down, and they were discredited by the XXXX and removed from the site for failing to comply to necessary standards.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (PA)

This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, XXXX, Citicards ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is Citicards. Upon reviewing my ENTIRE statement history from Citicards ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the Citi tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request Citicards ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.
Consumer complaint received 2016-09-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (VA)

I had XXXX private loans with Discover Student Loans that were charged off several years ago. XX/XX/2016 I came to a settlement agreement with Discover and paid off these loans on XX/XX/2016. Discover has continued to report them as past due even though no further money is owed to Discover. I first disputed directly with the Credit Reporting Agencies, and Discover verified the incorrect information. Then I sent a letter directly to Discover explaining the issue and received only a form letter in response saying the reported information is correct. On XXXX, as of a report from XX/XX/2016 ( almost 4 months after settlement ) they were still reporting {$460.00} past due as of XX/XX/XXXX on XXXX loan, {$490.00} past due XX/XX/2016 and {$590.00} past due XX/XX/2016 on a second loan, and {$760.00} past due as of XX/XX/XXXX on a XXXX loan. That is XXXX incorrect reportings on XXXX. On XXXX, they listed all three loans as past due in both XX/XX/XXXX and XX/XX/2016 ( XXXX incorrect updates ). On XXXX they also listed each loan past due in both XX/XX/XXXX and XX/XX/XXXX for XXXX incorrect updates. That is XXXX incorrect updates by my count. I have followed the available procedures to get them to correct their reporting and they have failed to investigate.
Consumer complaint received 2016-05-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (OR)

Had to dispute a credit card charge. First XXXX cust. serv. operators were in XXXX or something, and they were very courteous. But the XXXX one could not understand me. And the XXXX XXXX I could n't understand him. So I asked to be switched to a XXXX operator and got a nice gal in Kentucky. She could not see any of my charges, she said there were no charges on my card, even though we verified we were talking about the same account. I ended up talking to XXXX or XXXX people before I finally got someone who could help me. And in talking with a manager about this, all they can see are phone calls # XXXX, XXXX and I think XXXX. They 're system definitely does not show my first call. I also got disconnected twice and I 'm on a land line, we do not get disconnects here ever. I was very disappointed at the customer service. Now why this is important is people have the right to dispute a charge, and if the company makes it through their own incompetence and poor training very difficult to contest a charge, a lot of people I know would give up. My mom who was XXXX when she passed away would have given up after the XXXX operator. It 's important that these credit card companies not impede people 's abilities to contest charges. Having over-seas operators works fine if they speak XXXX correctly at least so you can understand them.
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NJ)

I DID NOT APPLY FOR ANY CREDIT CARD DEBIT CARD OR LOAN AND I HAVE A HARD INQUIRY FROM SOME CREDIT COMPANYXXXXXXXX XXXX XXXX XXXX DID NOT AUTHOURIZE ANY THING AND WANT THIS HARD INQUIRY OUT OF MY CREDIT REPORT
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (PA)

I was doing a rate check to refinance. The agent that I spoke with informed that the call was being recorded for improvement of their staffs or as arecord. the agents I spoke with agreed not to run my credit. Lately, I learned via XXXX XXXX these the following entity/ies made a hard search on my credit. It has been over XXXX days since I made a former complaint to thebanks and credit reporting agencies for corrections including their 3rd partysearch agents. 
I 'm asking that you kindly use the services of your good office to help meresolve this matter. My home is up for foreclosure I need my score fix torefinance. The entity are as follows:1 ) Citibank Retail via Citibank NA ( XXXX ) 2 ) Citi Financial XXXX DEF via CitiFinancial Mortgage ( XXXX ) Note : Citibank put a foreclosure on my property. they refused to " modify '' my loan, yet they have XXXX hard credit search without my knowledge orconsent that make it impossible among others to refinance as I 'm strugglingto refinance before their sale date. 
The others are:3 ) XXXX via XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX via XXXX XXXX ( XXXX ) Note : I wrote the these banks and informed them - " Your credit inquiry is damaging my credit rating. I did not ask for or approved a credit check at no time. Provide full documentation regarding the circumstances surrounding your review of my XXXX XXXX credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act '', but to no avail. 
The inquiry was placed on my consumer file on this date:XX/XX/2014. 
I noted, " If you can not provide such documentation, you are obligated to remove the offending inquiry at once. '' Please help. XXXX XXXX
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (WA)

XXXX XXXX XXXX We are filling a complaint about PNC Mortgage. 
We have been trying to get our PMI cancelled for about 2 years. 
I believe that PNC is in violation of the The Homeowners Protection Act of XX/XX/XXXX. 
The value of our house has reached the XXXX % threshold for automatic termination a long time ago. 
PNC refuses to do so. We have never received a schedule for our PMI to be cancelled. 
I have written numerous letters to them, most with no response at all. 
However the final straw was last month ( XXXX XXXX ) when we had our house appraised. Our appraisal was done by a certified Washington State appraiser ( I have attached the summary ). Our house was appraised at {$210000.00}. We owe {$120000.00}. PNC will not accept this appraisal and again refuses to cancel our PMI. I believe this is a violation of the The Homeowners Protection Act of XX/XX/XXXX. 

We request that our PMI insurance be cancelled according to the The Homeowners Protection Act of XX/XX/XXXX. 
If you can help in any way it would be greatly appreciated. 
Please let us know how we can proceed to have our PMI cancelled. 
Thank you
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

XXXX XXXX checking account in XXXX 2016 that promised a bonus of XXXX XXXX XXXX AAdvantage miles in exchange for opening a new account and meeting several requirements. Citi 's own wording promised the miles would be deposited into my account within 90 days of completing all requirements. After verifying in writing with Citi that my account was eligible and exactly what steps were required, I then met all these and waited the 90 days Citi stated would be required for deposit. After 90 days without any communication from Citi and no miles deposited, I contacted Citi about the issue. Their response was essentially to deny that my account was ever approved for the award miles bonus despite my written assurances. XXXX, Citi has decided to not honor their part of the deal despite my completing all steps required for the bonus. Moreover, Citi are still charging me a usurious $ 30 monthly fee to maintain this account. I have no choice but to pay this fee because if I downgrade or close the account before the award bonus is awarded then the bonus offer is forfeited per Citi 's terms.
Consumer complaint received 2016-08-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I signed up for a CitiGold checking account and was supposed to be awarded XXXX Thank You points under a promotion at the time after meeting certain requirements. I met all of the requirements and confirmed with Citi that I had done so. I waited the required amount of time to receive the points and was given nothing. I made multiple attempts to notify Citi and was repeatedly given boilerplate responses that did not address my issue. Finally, after escalation, I was told they did not give me my points because they did not have a XXXX on file from me, something which was never mentioned or sent to me upon signing up. I received the XXXX form they sent to me, filled it out, and sent it back. Nothing happened. I then called to see why there was an issue, and I was informed that they closed my CitiGold checking account. I was told the only way they could escalate my issue of missing points was to reopen the account, which would take several business days. That was over two weeks ago. I then called in today and was told no changes were made to the account, and that if I wanted to receive the promotion I would need to reapply for the entire checking account again. I asked for this issue to be resolved without me having to file a CFPB, but the customer representative said she would not be able to do that.
Consumer complaint received 2015-07-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IN)

Citi credit card closed XXXX of my accounts for " excessive '' adding and deleting of users on my account. I am in right standing with the company and I have a credit score of XXXX. I did break any rules or laws.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

One Main Financial has been contacting my phone XXXX times a day regarding a installment loan I have them - however I have enrolled in a debt settlement program who has my signed authorization to speak on my behalf. Yet, One Main Financial continues to call me - rather then reach out to the debt settlement company. 

Additionally, they contacted my place of employment today ( XXXX/XXXX/15 ) in XXXX - which I had previously advised them not to contact me there. I work remotely from home in XXXX, so my cell number is the best contact to reach me - contacting my office does not help as they merely take a message and have to email that I received a call from the said creditor.
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

I 've continued to have multiple issues with Citi and their XXXX Card. They charged me multiple fees for a glitch in their mobile app, then it took me nearly two months to even get a response regarding my complaint. The charges totaled {$120.00}. After continuing to get no assistance, I was finally able to speak to a person claiming to be a manager. She told me all of the charges would be reversed, however only {$75.00} was reversed, the other {$50.00} remained. Now I 'm having yet another, but different issue. I paid my bill in full with the understanding that the amount I was given {$1000.00}, would clear and close my account completely. Four days later they charged me {$19.00}. I understand how interest is charged, I 'm a XXXX for a local XXXX XXXX office. However, that charge should have been reflected or at least mentioned when I made the payment. Nowhere did it state any of this information so that I could completely pay it and be done with the continued issue of Citi being dishonest. I even contacted their customer services and was told there was nothing they or I could do and that I just had to pay it. They said there was no way to file a complaint or get the charge reversed.
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ZENCO COLLECTION, LLC (TX)

XXXX XXXX, XXXX, called to inform me that I owe funds for a car loan that occurred over 14 years ago. She had addresses, partial SSN, car make, model, and VIN #, and a lawyers name ( fake I presume ). The company that she said she represents turns out to be a utility company in XXXX Texas. The vehicle in question was used as a trade-in back in 2002. Additional research shows that several other people have been called by her as well. She sounded very professional, articulate, and well informed about the situation.
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

We are contacting the CFPB as we have attempted for over 5 years to obtain a loan modification and have been denied over and over again. We are not asking for a lower payment and even expressed we could handle an increased payment. We only want to keep this home we purchased XX/XX/XXXX which our family loves and needs so much. The investor is XXXX XXXX so the rate can not be reduced under the streamline program due to being under 80 % LTV. We did n't qualify for XXXX because our ratio was at 29 % and needed to be over 31 %. Now, XXXX lost her XXXX position due to cut backs and we are only receiving income for XXXX. His income is {$7000.00} a month. We were just denied again because the ratio is still under 31 % which is not true. We received a letter from CitiMortgage dated XX/XX/XXXX showing our payment increased from {$1800.00} to {$2300.00} as of XX/XX/XXXX which would make out ratio 33.2 %. We explained this to the CitiMortgage representative and she stated that new payment is not what is in their system so the denial stands. I explained we faxed her the CitiMortgage letter and said it does not matter. Well, it matters to us. We need this home our rate has been 6.375 % since origination and this loan has never been modified.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MN)

On XXXX/XXXX/16 I made payment in full on my Citibank XXXX XXXX credit card. Today I logged into my Citibank online account to get a copy of the statement showing that my balance was paid in full. To my surprise, I could download the XXXX statement, and the XXXX statement, but not the XXXX statement on which my payoff transaction would appear. I used the bank 's online Live Chat feature to contact them about the problem. Their representative, XXXX, stated that they do not provide statements when the account has a zero balance, so no statement was generated for XXXX 2016. I pointed out that I had made a large payment during that statement cycle, so there was a transaction on the account, & even though the ending balance was {$0.00}, the starting balance was not {$0.00}. I should therefore receive a statement for that month, which did have some account activity, as proof of my payment and of my zero balance due.
Consumer complaint received 2016-06-23
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I had applied for a CitiGold Checking account on XXXX/XXXX/XXXX under a promotional offer. The promotional offer stated that I would receive XXXX XXXX XXXX Advantage miles by spending {$1000.00} on my debt pin-enabled card in transactions within 3 months from account opening. I also needed to make XXXX bill pays with the account in separate months. I completed all of the requirements within the three-month time frame ( completed on XXXX/XXXX/XXXX ) and then confirmed multiple times with the consumer service team at Citi that I was eligible and had met the terms of the promotion for which I signed up for. 

I have saved documents of my communication with the Citi costumer service representatives.The promotion states that XXXX XXXX miles will be credited to your account within 90 days from meeting the promotional requirements. Since I met the requirements on XXXX/XXXX/XXXX and it is now past the I am now filling a formal complaint to expedite the process of receiving the the miles Citi has not given me as a result of the Citigold offer.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (FL)

Hello, this is regarding MC issued by XXXX XXXX : acc. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I bought an online ad placement on XX/XX/2016. Shortly after that the website disappeared. I called the number on the email receipt, I was promissed a refund of {$190.00} the next month and the next month. Finally I called XXXX XXXX. They claimed if was over 6 months ago and they can do chargeback but I would have to write the letter. After they asked me for other documents they I promptly faxed and mailed, after few weeks they denied my chargeback : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for contacting XXXX Cards. This letter is in response to your inquiry about the transaction described below made with card number XXXX : Date Amount Description XX/XX/2016 {$190.00} XXXX XXXX XXXX Due to the age of the charge, we have no options available to obtain a credit for you. 
Thank you for contacting us. 
Sincerely, Customer Service Team FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE. 
XXXX They have my money and merchant is still processing with XXXX, so why they refuse to chargeback for the service I paid for 18 months for and I got nothing? I hope you can influence their Dispute Department as this is clearly nor fair to leave consumer with the money gone and no help from my credit card issuer. Thank you. 
XXXX XXXX.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the late accounts that are reporting on my Credit Report : XXXX {$75000.00} XXXX {$39000.00}
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (NC)

I have a 0 % APR promotional balance transfer on my credit card with Citicard. In the same billing period, I made additional purchases besides the balance transfer. I paid the minimum amount due from the monthly statement, PLUS the entire amount of the non-promotional purchases. Citicard charged me interest, saying that it was because I had not paid the statement balance in full, including the balance transfer amount. When I referenced the CARD act provisions that say that any amount paid above the minimum amount due must be allocated to the highest interest balance ( i.e. the new purchase balance and not the balance transfer ), they said I was wrong and expressly stated that their policy was the opposite. I want to make sure I 'm right in that I should not have been charged interest. I saw there are exceptions to this for special debt payment agreements, but I do n't think my account falls into this exception. Furthermore, the customer service rep would not explain the math to me of how they arrived at the interest charged - it does n't make sense to me.