BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account in-branch back in the spring and had a promotion where I would receive XXXX XXXX miles after completing certain spending criteria within 3 months. 

I met those criteria in time, secure messaged with citi customer service and was notified that I had satisfied the criteria for my promotion and would be receiving the miles within 90 days from then. 

The miles never arrived, and when I followed up with citi support via secure message, they said I was n't eligible for the offer. When the citi XXXX previously confirmed via SM that I would receive the miles, they did NOT mention anything about not being targeted for the promotion. The in-branch representative with whom I applied also assured me and was excited for me to receive the bonus. 

After numerous follow up secure messages and phone calls, after which Citi conducted " investigations '', they still concluded that they would not be giving me the bonus due to my not being targeted. A friend of mine signed up under the same promotion about the same time I did and received their bonus, despite not being " targeted '' either. So it appears Citi is inconsistently honoring their promise. 

I 've enjoyed using this account, but it 's frustrating that Citi wo n't take care of their customers. I feel tricked. I 've been paying $ XXXX for this account, the least they can do is honor the promotion I signed up for.

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 non-monetary relief
Consumer complaint received 2015-07-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
In year XXXX/XXXX/XXXX Citi reports to XXXX a high balance of {$0.00} and a credit limit of {$4800.00}. 
but in XXXX/XXXX/XXXX Citi reports to XXXX a High Balance of {$4200.00} and a credit limit of {$4800.00}. Why? 
In XXXX/XXXX/XXXX Citi reports to XXXX a high {$0.00} and a Credit Limit of {$9900.00}. 
In XXXX/XXXX/XXXX Citi and XXXX do not report a High balance, but report a credit limit of {$9900.00}. Why did Citi not report a High Balance? Is n't my High balance the same as my credit limit? Why is Citi changing my original credit limit? 
In XXXX Citi reports to XXXX a high balance of {$8500.00} and a credit limit of {$11000.00}. 
In XXXX, the same as XXXX and in XXXX Citi reports to all three credit bureaus, XXXX the High balance of {$8500.00} and credit limit of {$11000.00}. 
I need your help to ask Citi bank why they changed the original high credit from {$0.00} to {$8500.00}? Ask Citi why they changed the Original credit limit from {$0.00} and {$4800.00} to {$9900.00} and {$11000.00}? 
Because In year XXXX another bank mirrored a {$7500.00} balance onto another card with a {$0.00} balance. This bank admitted it to me in my phone call to them in XXXX. I had filed a complaint with OCC at that time. I believe Citi is a continued of this, since I made balance transfers to Citi Citi bank had a responsibility to not continue a false balance that was mirrored. I believe that XXXX is helping me with this and XXXX that the truth in the explaination by Citi will be given, as the trail of this error could have stopped a long time ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are continuing to call and harass me even after I speak to a representative and either make arrangements with them or tell them of future arrangements. The reps are obviously not documenting the accounts properly because I continue to get phone calls almost every hour on the hour. From what I understand, once I speak to someone they are not supposed to continue calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: MD
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 recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.

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 2016-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a " Small Balance Adjustment '' of {$.00} was made on my account. After spending 45 minutes of my time and speaking with XXXX, who transferred me to XXXX, who transferred me to XXXX who transferred me to supervisor, XXXX I could not get a resolution. XXXX informed me someone from escalations would return my call within 24 hours. This is the third occurrence of this nature. On XX/XX/XXXX a " Small Balance Adjustment of {$1.00} was taken from my account and again on XX/XX/XXXX another " Small Balance Adjustment of {$1.00} was taken from my account. After spending hours of my time trying to resolve the issue I submitted a complain to the Consumer Financial Protection Bureau on XX/XX/XXXX. Per conversation with XXXX XXXX from Bank of America ( XXXX XXXX ). he informed this was a computer glitch and it would be resolved by XX/XX/XXXX. The XXXX " Small Balance Adjustment of {$1.00} each were returned to my account. If this computer glitch was resolved by XX/XX/XXXX why is it still happening on XX/XX/XXXX? I was informed by your customer service representative that I am not the only person having this problem, like this should make me feel better. Why do I, as a Bank of America customer have to spent my time addressing the same issue month after month. You, as Bank of America employees get paid for your time. No one pays me for the time I spent trying to resolve this issue. I need a reason this keep happening and what you are doing to resolve the issue. Sorry, but a computer glitch does n't satisfy me because that does not seen to be the problem.

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 2023-03-22
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I requested a ACH money transfer to a outside bank account but the money was never deposited into the outside bank account and every time I call about the transaction I am told that the money was transferred but my outside bank account said that they never received the ACH deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and these line items need to be removed from my credit report.

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 2021-03-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was not notified of a balance or payment due. I was only made aware of the balance after my credit report showed a delinquent account. I received no communication from XXXX Mastercard that the {$99.00} annual fee was due. This is a card that I do not use and had been told by XXXX Mastercard, was closed. 

XX/XX/XXXX - Asked XXXX Mastercard to close account. They said it was closed. 
XX/XX/XXXX - Credit Card destroyed and no longer used. 
XX/XX/XXXX - ANNUAL {$99.00} FEE charged XX/XX/XXXX - Notice from Credit Bureau of Delinquent Account. Credit score dropped 80 points XX/XX/XXXX - {$99.00} balance paid XX/XX/XXXX - Card Closed XX/XX/XXXX - Spoke with XXXX Mastercard to remove remark. Refused XX/XX/XXXX - Spoke with XXXX Mastercard to remove remark. Refused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Kashia Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I got a XXXX dollar loan. I tried on 2 pay periods to call and pay the loan and at each time it was busy. This is the advertised number to call in the site. Since then they have taken XXXX a week. I let them take the loan amoubt before issuing the stop payment thru XXXX XXXX. I want to warn others but I want action taken. This is fraudulent. I know I have paid XXXX thus far. They got another XXXX today. Hopefully XXXX XXXX will get that back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have called mutiple times with American express to active my card and nothing happens. I keep getting told to wait few days and its been weeks. I want to use my remaining balance on my card. this is American express business giftcard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ON XX/XX/2020 I WAS HIT WITH A HARD INQUIRY FROM A ONE " SYNCB/XXXX  ( XXXX  ) ''. AFTER I DID MY RESEARCH, COME TO FIND OUT ITS AN AIRLINE 3RD PARTY BOOKING AGENT WITH A NEW CREDIT CARD. DONT HAVE AN ACCOUNT NEVER HAVE BOOKED WITH THIS COMPANY. TRIED CALLING THE PHONE NUMBER MULTIPLE TIMES AND HAVENT BEEN ASSISTED YET. THEY PROMT ME FOR IMMEDIATE ACCOUNT INFO ( THAT DOESNT EXSIST ) AND OR A PAYMENT FOR AN ACCOUNT ( THAT DOESNT EXSIST ). IN THE MIST OF THIS IT IS HURTING MY CURRENT CREDIT SCORE HINDERING FROM GETTING CURRENT AND FUTURE LINES OF CREDIT.

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 non-monetary relief
Consumer complaint received 2021-01-14
Company: Garrison Investment Group
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Approximately XX/XX/XXXX, Foundation Finance Company called my home about my XXXX monthly {$50.00} payment. I have paid them each month on time and sometimes more than my $ 50 monthly. But we are having a COVID-19 issue in our household and informed them that I would be late this month. I will pay my bill on XX/XX/XXXX. I was sent a late payment warning of {$100.00} if not paid by the XX/XX/XXXX. This is accessive ; ridiculous when the whole country of consumers ' are facing job loss ; late fees with the creditor, debt collectors, and more. There is no need to telephonic harass the consumer when all of us are trying to take care of our needs and families with the conditions of our finances due to this COVID-19 issue. All late fees need to be waived and some type of compassionate understand between debtor and creditor during this time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, BMO accepted a check that was illegally endorsed. The check was an insurance two-party check made out to me, XXXX XXXX XXXX and XXXX XXXX XXXX. The check was to be endorsed by me and then sent to XXXX XXXX with paperwork I provided from XXXX XXXX for their endorsement. XXXX XXXX never received the check for their endorsement. 
I gave the check to XXXX XXXX, endorsed by me with the paperwork and they said they would send it to XXXX XXXX so they could endorse the check and send it back to me. Instead, XXXX XXXX endorsed the check themselves, deposited it, and BMO accepted it. Seems to be illegal. 
XXXX XXXX and my insurance company 's bank, XXXX XXXX, filed affidavits of fraud. 
On XX/XX/XXXX, the fraud charge was denied by XXXX XXXX, fraud analyst with BMO. XXXX XXXX has accepted the ruling. 
I have appealed to XXXX XXXX and he has responded that he would revisit this claim. 
He seems to be dragging this out. I am looking to get this resolved after over a year of this dispute.

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 2016-08-11
Company: JPMORGAN CHASE & CO.
State: WY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Was threatened in XX/XX/XXXX with a lawsuit, now being threatened with the company filing a XXXX with the IRS and said I could go to prison or I can pay {$3500.00} to make it all go away. This is on a credit card with last activity from 2005

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
JP MORGAN ATTN : XXXX, ARE YOU TELLING ME THAT YOU WERE TRUSTEE TO MY MORTGAGE? XXXX? I DEMAND ANSWERS AND IN WRITING

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
UDAAP violation Chase branch and card services phone staff not trained on product benefits ; key exclusions from " XXXX points transfer to leading hotels '' not disclosed in table signage marketing for the new Chase Sapphire Reserve. It took 40 minutes and multiple phone calls to learn that XXXX XXXX is not eligible for XXXX transfer, after I had already signed up for a card for myself and my husband at {$450.00} cost each. A reasonable person would have assumed XXXX is a " leading hotel. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Exeter Finance Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am late on my car payment, that is obvious, but the car company calls daily 6 times, sometimes I will speak with someone and literally 5 minutes later I will get another call from someone else within the same company will call and I will explain that I just spoke with someone, yet they will continue to ask the same questions again, it seems as if they are looking for my reasons to change? They have been verbally asked to stop calling so frequently Additionally I submitted a written request to them through their own internal contact process a copy of this message is attached ; however this has not deterred them at all. The company is Exeter Finance Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX nor XXXX XXXX XXXX to release my medical information to a third party. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX and XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization . 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

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 2021-01-14
Company: PNC Bank N.A.
State: IL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, PNC XXXX  XXXX  add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: ERC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A company reached out to me stating that I owe a debt, yet there was no supporting documentation by this claim. I want this account to be removed from the consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In XX/XX/XXXX or XX/XX/XXXX, I spoke with a representative from Navient. In XX/XX/XXXX, I spoke with  XXXX, from Navient. We stayed on the phone for over 20 minutes. Three days later, XXXX calls back and explains there was a problem with the e-sign. I told her I was at work and had to handle the call expeditiously. She assured me it would take about two to three minutes. Once we were on the phone for over 10 minutes, I had to hang up. I have repeatedly asked Navient NOT to call me at work. Now, they are calling everyone with the same last name, even though they were not authorized to call. Navient is harassing other people with the overwhelming phone calls. They still call me at work even though I have asked time and time again not to call me. Representatives from Navient are informing people that this is a business matter, which essentially says, they are a bill collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Placed my credit card on monthly payment plan many years ago due to financial hard ship. Plan allowed one payment holiday per 12 month period if paid according to agreement, with proper notification to Chase bank. DUring the 5 years, I took XXXX payment holidays, with notification through the Chase on-line access. Chase has these notifications. After the last XXXX, Chase reported my account 30 days delinquent. I filed a complaint, and paid off the account. After review, they reported me late for 6 months, then 90 days late for 1 month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Rent Recovery Solutions
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation