BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I received from XXXX XXXX  ( now XXXX XXXX ) an offer to upgrade my XXXX XXXX credit card to the new XXXX XXXX XXXX XXXX Card. The advertised offer was if I would upgrade to the new card I would receive XXXX points added to my XXXX XXXX account after my first purchase completed by XX/XX/XXXX. I then attempted to do the upgrade through the email on their " Upgrade Now '' button. It would not work, and I tried multiple times. I then called in to XXXX/Chase ( bank that issues the XXXX cards ) and did the upgrade over the phone. I verified with the man I spoke to that I would indeed get the XXXX points doing this over the phone. He assured me that I would. Once I received the new card in the mail I made two purchases. The first on XX/XX/XXXX for {$16.00} and the second on XX/XX/XXXX for {$46.00}. Thus meeting the requirements to earn the reward. On XX/XX/XXXX I was given a bonus of XXXX points. I never agreed to upgrade for XXXX points. The annual fee on this card is more than what it was on my old card and I was not interested in upgrading for only XXXX points. Therefore, I would have never accepted that offer. Once I saw this I called customer service and spoke to XXXX on XX/XX/XXXX. She told me they posted the XXXX points on XX/XX/XXXX and should post the additional XXXX points after the next billing cycle ( XX/XX/XXXX ). This never happened so I called customer service again on XX/XX/XXXX and spoke to XXXX. He stated I received incorrect information from XXXX, and said he would submit to his marketing department and see if they could add the additional XXXX points. He also told me the upgrade link didn't always work for their customers, so evidently this has happened to other people. He stated I would get a letter in the mail which I did on XX/XX/XXXX. This letter came from Chase Cardmember Service. The gist of the letter was that I was eligible to earn the XXXX bonus points, and the points would post in six to eight weeks. Again six to eight weeks have passed and they still have not posted. So on XX/XX/XXXX I called again and spoke to XXXX who supposedly escalated the issue to get the points added. As of this date I still have not received the points that should have posted in XX/XX/XXXX. I feel that this is false advertising. I have been a XXXX card holder for several years, and a Chase customer for even longer. I am very upset with the bait and switch that has taken place, and the lack of follow through on XXXX and Chase 's behalf. I'm hoping that this last appeal does something to bring this to their attention and get this corrected promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for and was approved for several Citi AAdvatage Credit cards from XX/XX/XXXX-XX/XX/XXXX. All of my applications were submitted with true and complete information using solicited offers from Citibank to obtain a certain number of XXXX XXXX miles for completing a specified amount of spending in a certain timeframe. All offers were again sent by and approved by Citibank. I got a notification from corporate security at XXXX XXXX on XX/XX/XXXX that was account was being terminated due to the accrual of miles which the email stated : These violations are related to the accrual of ineligible miles and benefits ; through fraud, misrepresentation. This is not true due to the fact that Citibank provided these transferable solicited sign up bonus offers and knowingly kept them transferrable for many years. If the solicited offers were not allowed to be obtained, it would have been caught by the many manual application reviews between Citibank and myself. I am asking that I obtain official information from Citibank and their affiliation with my account termination with XXXX XXXX. If it can be shown they are using their solicited offers they gave me, against me, I would like my XXXX XXXX account reinstates with Citibanks help and all terminated miles returned to the account as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My credit card statement does not show cash rewards that I receive for shopping at the grocery store. I did file a dispute with my credit card company. XX/XX/2019. I contacted cutomer service and was told that I had to wait thirty days until the next statement before my cash rewards would appear on my statement. Thus I was told on XX/XX/XXXX that I had to wait until my statement close to see my cash rewards on my account which was XX/XX/XXXX, each time that I contact customer service I am told I have to wait another thirty days or until my statement close date. The next statement close date is appromatiely XX/XX/2019 and I will have waited sixty days for my cash rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
in 2019 i had broken let i couldn't work so i called to XXXX and the synchrony bank to let them know that i wasn't able to made one because i had an car accident ( XXXX XXXX ) and then they were like happy the i let them know about. so within the following month i received a statement over XXXX dls to be paid and i called them back i explained them again my situation and then they returned the late feed but they close the account and keep me raise interest for over year and they mark as delinquent account. now i still paying every month i haven a single payment since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Debt Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 Debt Recovery Solution Parked unverified debt onto my consumers report, and as well as to the three major credit bureaus before doing as required to do under the Fair Credit Reporting Act and CFPB. 
I XXXX XXXX XXXX was never given the proper disclosures nor model b-1 form to properly dispute and alleged debt that this company is trying to collect on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Assoc. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I received an initial notification from Radius Global Solutions, LLC that they had been authorized to collect a debt. Pursuant to the FDCPA and the XX/XX/2019, letter, on XX/XX/2019, I sent a letter requesting validation of the debt and specifically requesting the amount owed, explanation for calculation of amount, copies of any and all papers evidencing I agreed to pay Radius, identity of the original creditor, proof that the statute of limitations had not expired, proof that Radius is licensed to collect a debt in Virginia, copies of pooling or servicing agreements, license numbers and registered agent. Radius failed to provide any information validating the debt in violation of my request and my rights under the FDCPA. Instead I received more correspondence from Radius on XX/XX/2019, and XX/XX/2019, continuing to attempt to collect the debt. Radius has violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( Bankruptcy Chapter XXXX, TN XXXX, and XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On ( XX/XX/2006 ) I was a part of a consumer credit transaction. I do not recognize this debt. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( Communication-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and show DIVERSIFIED ADJ SVC the account was received from XXXX XXXX XXXXXXXX XXXX XXXX I have not been picked up in any emergency vehicle and by me being in the military I am covered by my insurance. I called the company to see why it was on my credit report, when I verified my name and birthday, they were unable to find me. They said they find an account but had a different birthday. Come to find out the information they have is my name with a different birthday. I informed them I was not picked up by any emergency services nor was I hospitalized on or around the date they have. They asked me to verify my birthday again and I was then informed to contact the Credit Bureau and have it removed. When I made the disputes, it keeps saying account is verified. I don't understand how because the person that was hospitalized was my mother-in-law, we had the same address at that time. I believe the company don't want to remove it because my mother-in-law has since passed away and they are trying to make me responsible for her debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Crescent City Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Crescent City Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company KOHLS/XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX transferred my mortgage to Specialized Loan Servicing on XX/XX/21. This complaint is addressed to Specialized Loan Servicing. I received a letter from them today stating that my home mortgage was delinquent. Then they offered me programs such as loan modification and repayment plans. My account with SLS is NOT delinquent. I have been with SLS since XX/XX/21 and I haven't missed a payment. When I called SLS today, I was told that the letter was sent to all customers to see if they were interested in any repayment options. So they sent letters to all customers stating that the accounts were currently delinquent? It is one thing if SLS wants to offer customers a repayment option. But it is deceitful and dishonest to tell customers that their mortgages are delinquent to get them to sign up for a new plan. SLS also claimed that I missed a mortgage payment on my credit report, which is not true. Although I called them and requested that they correct their inaccurate claim on my credit report, it still has not been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite numerous disputes to the Equifax, XXXX and XXXX consumer reporting agencies, these companies continue to report a fraudulent XXXX XXXX account under account number XXXX. Not only have I forwarded copies of my driver license and FTC Affidavit, I have forwarded a verified police report. Each of these companies have refused to investigate and block reporting of said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Radius Global Solutions LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Radius Global does not belong to me. I have called them and they have no records of me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: SUNTRUST BANKS, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I made a cash deposit before I purchased a rental car due to mine being flooded from Hurricane Irma. That deposit has disappeared and left me with a negative balance that I worked hard to avoid. I receive overdraft and returned item fees regularly from SunTrust and am trying to avoid more. I have been unable to make any purchases including lunch and my XXXX XXXX  was declined payment due to this. I deposited {$300.00} to a teller at a branch in XXXX, SC and now I have a negative balance. I am going to incur an additional fee from XXXX XXXX. Due to the transaction not being paid on time when they tried to run it. I contacted SunTrust XX/XX/XXXX and they said they are having an issue with deposits and that there is nothing they could do. I ask that they reactivate my overdraft and guarantee that all transactions will be authorized ( I am told I have reached my limit ) or return any recently imposed overdraft or NSF fees which SunTrust refuses to do. SunTrust has left me with a negative balance and the only thing they can tell me is we are sorry and working to resolve it. I have no money available and no temporary authorizations are available. 
Whenever I am in trouble with the bank I never receive any sympathy and am given significant fees without any offer of forgiveness but I am expected to forgive them for having a banking issue. Transactions are reordered so that items are returned and fees imposed. In this situation I worked hard to avoid a negative balance and am still given a negative balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX. Is attempting to collect a medical debt that originates from XXXX XXXX XXXXXXXX XXXX in the amount of {$440.00} from XX/XX/2017 that I do not owe because I had medical insurance through XXXX/Medicaid and it is highly impacting my credit and has been for some time now. I want it removed in full from my credit immediately and the status of the debt changed to paid in full immediately. I will prove I have/had insurance by attaching a current copy of my medical card. I had insurance at that time and I know this was paid for by my insurance so I want this matter resolved quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My third request in attempt to obtain verification from a debt collection agency about a consumer debt I'am disputing.. A certified letter ( was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation