BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2016 I changed my banking services and proceeded to update my autopay information in the Brooks Brothers XXXX system. Previously, autopay had worked to pay the full balance of the credit card on time. When I checked my account in XXXX because I was curious about previous charges, I discovered that autopay had removed my information since Brooks Brothers had received notification that my old account was closed. Their system mistakenly removed my new autopay information. I called up Brooks Brothers who informed me that a filing would be made to remove this delinquent payment from my credit report history. It has now been three months and my credit score has dropped precipitously from the time this occurred. I have lost XXXX points of credit rating which will affect my finances for decades. I would like this delinquent credit report removed from my credit score.

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 2021-11-25
Company: EQUIFAX, INC.
State: MS
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:
Equifax furnished unknown inquiries on my consumer report without permissible purpose. In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ). I am exercising my right to challenge questionable information that I do not recognize the information listed in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was told by Freedom Mortgage back in XXXX, that I would need to do a Loss Mitigation Packet, if I want to make a change to my Mortgage regarding payments. So, that's what I did. I submitted my Loss Mitigation a total of 3 times. I have the proof of everything requested and sent. Time would go by of over 30 days, I would be told to submit documents. Each time I complied, and wrote to them, that everything being asked I sent. Over and Over, I submitted the same documents. XX/XX/XXXX the sent a letter, saying the needed more documents that I already submitted by XX/XX/XXXX. I did again. I called 6 days latter to see if finally after submitting the same stuff over and over again. I was told by an agent on or about XX/XX/XXXX, my home was Foreclosed on. My Loss Mitigation never got reviewed, I kept getting the run around. I still live in my house. I asked for them to reverse the decision, no reply. I can afford to stay in my house, and keep it. They never reviewed my Loss Mitigation packet. I've tried to work things out Freedom Mortgage, but I can't seem to get a hold of a person. Online messaging for everything Please help me. Michigan is a redemption period is 6 months. I have 3 months left. Please help me with this. I want to keep my house.

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 2023-02-24
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the credit information that [ Credit Bureau Name ] has reported on my credit report. Specifically, I am disputing the following accounts : XXXX XXXX XXXXXXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXXXXXX charge off account XXXX XXXX Charge Off account XXXX XXXX Charge Off account I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ). Under these laws, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities. 

Therefore, I request that [ Credit Bureau Name ] investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete. 

In support of my dispute, I have enclosed any evidence I have that demonstrates that the information on my credit report is inaccurate. This evidence may include payment records, bank statements, or any other documentation that supports my claim. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX, This is regarding gardner white credit card ( Comenity ). I was charged late payment in month of XXXX. Then I talk with customer representative and he advised me to set auto payment for minimum amount and I followed what he said. Then I thought everything is set then this month I logged in to my account just to see what's going on and saw interest charge since XXXX when I asked the guy said I need to pay more to avoided and I explained what I was told to avoided all these charges and request for refund but they declined. They are lying with the people and putting wrong charges in customer. I want to get my refund of interest charges as this is not my fault. 
Kindly do the needful. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Payoff process

Complaint:
I obtained a loan from bank to pay off credit cards, a cashiers check was mailed to Macy 's to pay off credit card, the check was cashed by credit card company on XXXX XXXX, 2016 I have receipt confirmation from my bank that it was cashed. The amount has still not been applied to my account on XXXX XXXX, 2016. I have called customer service and sent messages via internet and my bank has faxed over the copies of processed checks and the amount has not been applied to my account.

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 monetary relief
Consumer complaint received 2017-03-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I received a bill from Macy 's Store Credit Card on XX/XX/2017 with a total new balance for that statement in the amount of {$300.00}. The payment due date listed on the statement was XX/XX/2017. I made a payment in the amount of the full balance of {$300.00} on XX/XX/2017 bringing the account balance to zero. According to the card-member agreement included with the bill, interest will not be charged if you pay your new balance by the payment due date each month. On XX/XX/2017, I received an email notification stating my Macy 's card balance was overdue. I pulled the statement and it showed I had received an interest charge on XX/XX/2017 in the amount of {$4.00} even though I had submitted my payment in full of the total new balance sent to me in XXXX. The statement received in XXXX showed an additional interest charge of {$2.00} on the incorrectly applied interest charge added to my account in XXXX. Macy 's fraudulently charged the interest from the balance in XX/XX/2017 when the according to their own payment rules, no interest is charged on payments made in full for the entire balance. This situation reveals a major issue in how they charge interest to accounts with no catch to ensure customers are not fraudulently charged interest when there is no balance to charge interest. Not only did they charge me the incorrect interest in XXXX, they also charged a second interest amount for the XXXX bill and reported my account as past due. How long would this have gone on had I not checked my account even though I had payed my balance in full and had not used the card in two months? This is abusive behavior by Macy 's and it needs to be addressed with how their system applies interest to accounts and they should retroactively review accounts to make sure no one else has been effected by this major deficiency.

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 monetary relief
Consumer complaint received 2015-05-02
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2015 my credit card with Citibank was compromised. They contacted me promptly to address the issue, told me they were freezing my card and sending me a new one. At that time they notified me of a few pending charges and assured me that those charges not incurred by me would be refunded. 

Unfortunately, I later noticed XXXX charges from a company called XXXX XXXX, each for {$140.00}. This appears to be a company based in Tennessee. I currently live in XXXX, XXXX. I have never heard of or done business with this company. As soon as I noticed these charges on my bill I contacted Citibank to notify them, and was told they would be refunded in 7-10 business days. 

Approximately XXXX weeks after my initial conversation with Citibank about the fraudulent charges from XXXX XXXX, I called them again to notify them that I had only been refunded XXXX of the charges and the remaining {$140.00} was still outstanding. They assured me that the charge would be refunded and again asked me to wait up to 10 business days. In good faith, I did, but no further credits were made to my account. I have since contacted them XXXX more regarding this same charge. The last time I called, approximately one week from today, I was told that the charge was refunded to me, but for some reason it was not showing up when I looked at my bill online. I was told that they would send me copies of my paper statements, which would show the refund. 

I received the paper statements earlier this week, and no refund appears. I see the original refund for {$140.00}, which I was well aware of, but nothing has been done about the remaining {$140.00}. I even thought there might be an error in showing the credit/refund, on the bill, but it might instead be reflected in my balance. This was not the case. I added up the credits and debits to my account manually, and the balance is still missing {$140.00} incurred due a fraudulent charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-05
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they are calling numerous times a day.

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 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX  XXXX XXXX credit card had been taking funds- {$100.00} from my personal checking account monthly for 3-4 months after balance was already paid in full in XX/XX/2020. They continued to do so after I went only to cancel payment plan numerous times. Eventually I managed to call and had them to refund me the {$300.00} back. However, they started to report to credit bureaus in XXXX that my account was late out of the blue and caused my credit score to drop by 30 points. Thats insane. Theres no balance in the account. ( Negative balance actually ). Please help and investigate this. I am in process of getting a car loan. And I have to put that on hold now until I get my score back up

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 2016-09-17
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
on XX/XX/2016 at XXXX mountain time I went to XXXX and used the ATM to withdraw XXXX dollars. I input all the information that was required to get funds. The ATM went into a mode as if it was going to release the funds. The screen went blank before the money came out. The screen came back on in a red background with error message that ATM was down. I called the American Express Serve and was told I had to file a complaint which could take 10 to 45 days. I contacted the bank and was told they knew about it and since I did not have a account with the bank that they would have to go by my bank. I sent all the information in to dispute the charge and also had the bank manager call in to see if they could expedite this matters. They could n't explain to us how to contact the owner of the ATM and that on XX/XX/2016 will be the next update and that they will then issue a provisional credit. I called in everyday asking that they email the dispute department asking them to give me the contact information to the owner of the ATM so that I can contact them to see if I could get this issues resolved quick. They never contacted me until XX/XX/2016 when I was told in a email that the ATM provider confirmed the funds was dispensed. I called American Express Serve and was told it was closed and that they will only reopen if I can get new information. I called XXXX who the bank said was the contact as owner. I called them and was told they only services them. They did not have the owner information. The video will show that no money came out at the time I made my request. My money was taken and there is no way to get owner information and I have only 10 days to get new information or my money is taken away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The Companies involved include XXXX and XXXX. 
XXXX inherited this issue from Fed Loan. 

As of XX/XX/XXXX I completed my 120 payments for loans 4 and 5.

I submitted in July my paperwork indicating I was still working for a public service agency. 

After finally, correcting its miscalculation in August Fedloan credited me for 2010 payments. 

Still they credited me up to XX/XX/XXXX. I am fine with that. But I should not have to submit anything more to start the formal loan forgiveness. As my employer already signed a form in XX/XX/XXXX. 

I am attaching what I submitted at that time. 

Please note the forms were used to credit me for 120 payments and therefore the signatures and information should be sufficient to forgive my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Navient Solutions, LLC.
State: CO
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: Was not notified of investigation status or results

Complaint:
I sent the attached letter to Navient/  XXXX   XXXX   XXXX  disputing the late payments on my credit reports. Navient did not respond at all. As explained in the letter Navient never informed me they were reporting negative information after  30  or 60 days. This is a FCRA violation. They report the negative information at 90 days late. Protections in the FCRA were designed to inform consumers when negative information was reported. When they do not report the information until 90 days late they are both ; not reporting information accurately, and not giving consumers the notice the FCRA was designed to give. These loans are paid in full. They were paid in full as soon as the obligation was communicated. It does not matter if Navient believes they are doing consumers a favor by not reporting at 30 or 60 days late. It is not accurate and a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS APPEARS ON MY REPORT AS A RESULT OF ID THEFT : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES ARE ALSO A RESULT OF ID THEFT : XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I HAVE ENCLOSED MY POLICE REPORT AND ID THEFT 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 2017-01-23
Company: CITIBANK, N.A.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, I seek your assistance in dealing with Citibank US to obtain the {$400.00} promotion that I 've qualified, for which Citibank keeps throwing me in circles. Sometime XX/XX/XXXX/XX/XX/XXXX, I had applied to open a Citigold account with the Promotion code XXXX which offered {$400.00}, if the terms and conditions were met. I received a letter dated XX/XX/XXXX, indicating that Citi 's record indicate that I 've qualified for the offer but that I needed to provide my XXXX, upon which Citi will credit my account for the incentive. 
I 've spoken to Citibank representative numerous times to no success. Every time, it 's the same story that they will inquire further and lodge a complaint on my behalf. During my call with a Citi rep on XX/XX/XXXX, the rep indicated that Citi had received my XXXX on XX/XX/XXXX but no word on my {$400.00} yet. The rep indicated that I should hear back within XXXX hours but off course no communication from Citi. I called Citi again on XX/XX/XXXX and the same story again ( further inquiry and complaint ). For one last time I called Citi on XX/XX/XXXX and expressed my frustration. I mentioned that if I do not hear back from Citi by the XX/XX/XXXX that I 'll be lodging a complaint with the Consumer Financial Protection Bureau ( " CFPB '' ). Since, I have n't heard back as of today ( XX/XX/XXXX ), I was hoping CFPB would kindly assist me in obtaining my {$400.00}. One thing to note is that all the Reps that I 've spoken with were very sympathetic to my situation and were very professional as well. Unfortunately, their hands were tied as well. 

Having been a Compliance Officer at financial firms for the last decade, I understand the rules and regulations thoroughly and one thing for sure is that if something is advertised and/or promised, one should live up to their end of the bargain. I 've lived up to my end and satisfied the required terms and conditions but now I 'm being pushed around in circles by Citibank. 

Please kindly assist. Thank 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 2015-10-23
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a CareCredit account through Synchrony Bank. I just received notification that my account was closed due to inactivity in the last 12 months. Given the nature of the account being for medical needs, I never would have thought I needed to use it within a specific period of time to keep it open. How can I plan when medical needs will arise? Of course, now I do have a procedure scheduled for which I was planning on using this account however when I called to ask to have my account reactivated, I was told that was impossible. If it 's possible to close it, how is not possible to reopen it? My letter clearly states the closure was not based credit behavior. I also want to point out that I was not notified my account was scheduled to be closed so I had no chance to request it remain open. When I questioned the lack of notice during my call with Synchrony, I was told they did notify me with a letter telling me account was closed. What good does it do me to notify me after you already have closed my account without having the ability to reinstate it. Account closure letter dated XXXX/XXXX/15, received XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The Chase BA credit card offers a promotional statement credit for 3 times per year for {$200.00} credit for a transatlantic reward flight. 

This has not posted 4 months later despite being told it would be a maximum of 45 days. I have sent multiple messages through their website. I have called and spoken to several representatives. I have provided documentation of their own promotion ( which some representatives seem unaware of ) and my flight details. I have been trying to get a resolution for months at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-01
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Late fee

Complaint:
First issue was that I had a very sick pet. I used the card for the vet bill. The company provided no warning that I was going over my credit limit. They charged a fee. I paid fee and started to be very careful with card. Next issue, in XXXX 2016 the bill was due on the XXXX. Bill arrived on the XXXX. I always pay all my bills that arrive during the week on the Sunday, in this case the XXXX. I opened the bill to discover that I was past due. Of course, even if I had opened the bill on the XXXX I would not have had time to get the payment to them through the mail. I have noticed that this company has been mailing its bills later and later in the cycle. So many months ago I had set up, on the Internet, a bill warning alert, with them, to alert me 10 days before bill was due. Apparently, when the company was sold all these warnings were removed. Resulted in a late payment fee of {$27.00}. I paid them on the Internet as soon as I noticed that I was overdue on the XXXX. I sent them a note about the late arrival of the bill on the XXXX and have not received a response. Interestingly, this month 's bill, XXXX, arrived early as it should.

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 monetary relief