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

Complaint:
I applied for a Citi business credit card under a special promotion to receive XXXX bonus miles after spending XXXX dollars. After spending the XXXX dollars i did n't receive the bonus miles. I contacted Citi to ask that the miles be awarded and they claimed I already had the product and i would n't be eligible for the bonus on both cards. I checked my records only to realize that I had the personal credit card however I had n't opened or closed the business card within the 24 months. I explained this situation to Citi Bank however they refused to award me the XXXX and continued to claim that I did indeed have the product. I would like Citi to award me the XXXX bonus miles as was stated in the offer terms. I fulfilled my end of the agreement but Citi refuses to fulfill their part of the agreement.

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 2016-05-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
While attending XXXX Florida XXXX I was enrolled in the XXXX course. On the date of my last attendance I was scheduled to be going out to do my XXXX with all of my course work completed and only XXXX weeks remaining. I had received a letter that was later confirmed by the course director and the professor that taught the XXXX classes. This letter stated that XXXX Florida XXXX had failed to renew their certifications leading to their XXXX students no longer being recognized or able to be certified in their course of study. I left the school that day is disbelief that all my hard work and study meant nothing. I never returned to the school. They promised job placement but, because they were no longer certified or recognized was not going to be able to obtain a job. My student loans went into default because I was unable to pay them back. When recently inquiring about reenrollment to XXXX XXXX XXXX I learned that what had happened to me was not legal and I should dispute my loans. I would love to be able to return to school and complete my course of study with a XXXX and peruse my dream XXXX. I was informed that I was unable to attended college because my loans were in default and I would have to make payments for XXXX consecutive months in order to be eligible to reenroll. I sincerely hope that there is a way to wipe me debt of student loans since there promise was not fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: ProCollect, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I received a letter from Pro Collect Incorporated, with a settlement offer for 50 % of the original debt amount. I called because I wanted to pay the settlement amount of {$550.00}. The original balance is {$1100.00}. The settlement offer was good if received by XXXX When I called to make the payment, the representative indicated they would add an additional {$8.00} to the settlement balance. I indicated that this amount was not indicated on the settlement offer. ( If I had not called and just sent in a check for the amount {$550.00}, there would still be a balance on the account of {$8.00} ) I indicated to two representatives that the settlement letter only indicated {$550.00} due and that they would send a deletion to the Credit Bureaus, one of the representatives stated that I would have to send the letter to the XXXX to have the deletion completed. I indicated to the representatives that the letter is indicating verbiage differently. The supervisor said she wasn't going to argue with me and hung up the phone. I would like CFPB to look into this company for sending a settlement letter with one amount however trying to collect an additional amounts not indicated on the letter. Also, for including on the letter that they would delete the account from the XXXX, but when i called, I am being told it is my responsibility to do so. Thank you in advance.

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 2020-08-12
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I got a car loan with Regional Acceptance Corp back in XXXX. I paid off the loan on XX/XX/XXXX in full in the amount of {$4400.00} through the my bank bill pay since it was a large amount. Money was sent, and withdraw from the account. This was not credit to my account, and it was closed on my credit, but not on my co-signers. I no longer use that particular account that the money is sent from. So I am working on getting the bank statement from that financial institution. I got a call on XX/XX/XXXX stating that they were going to repossess the vehicle even though the car was paid in full. Must be some clerical error on this companies side.

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 2016-09-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
i was charged an excessive amount of fees on my account and im not sure why i was charged these fees my account seem to be comprimised and i sent a message over to a online rep and was told that they were going to reverse the fees but im not opted into any overdraft courtesy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section A. Stated I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions.

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 2015-05-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid {$1700.00} via wire transfer ( which I have done successfully before, although not same property/person ) to a XXXX XXXX XXXX for a vacation rental from an ad off of XXXX. 
The home to be rented was XXXX XXXX XXXX. XXXX, FL XXXX. 

Financial details are as follows : XXXX XXXX XXXX XXXX BankAccount # : XXXX # XXXX Name : XXXX XXXX XXXX I was corresponding with a supposed XXXX XXXX XXXX XXXX 
I sent an email on XXXX/XXXX/15, confirming we were still set for our XXXX/XXXX/15 arrival. 
I received the following response from the XXXXXXXXXXXX email : On XXXX XXXX, 2015, at XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : ok madamOn Fri, XXXX XXXX, 2015 at XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : You are full of XXXX. 
What are your credentials? 
Please keep writing back, so we can pinpoint your IP address to see where you are located. 




On XXXX XXXX, 2015, at XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : we used our monitoring team to take away his account from him and we saw your details, we are also here working on the underground investigationOn Fri, XXXX XXXX, 2015 at XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : So how is this the XXXX team, if this email is coming from a XXXX account? 

If this is a scam, you can believe I will find you and get my money back. The authorities and my bank have been contacted. 

On XXXX XXXX, 2015, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hello XXXXThis is XXXX management team, we have seized the posting from XXXX, his posting was a scam. please stop all contact with himXXXX group teamOn Wed, XXXX XXXX, 2015 at XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hi XXXX, Just reaching out to make sure we are all set for our XXXX XXXX arrival - correct? 

Just want to make sure we are all set before we head out : ) Thank you! 
XXXX from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase XXXX is reporting a credit card account that has been opened fraudulently. I am a victim of Identity Theft and had been in contact with Chase in XXXX 2015 when they called me to verify whether I had applied to this account. The Chase Bank representative was XXXX XXXX XXXX. I am in the process of purchasing a home and I have recently gotten an alert that this is now negatively impacting my credit rating. I need this resolved immediately. This account needs to be deleted off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My XXXX credit cards at chance had been hit with fraudulent transactions twice, and i reported these transactions promptly. I even proved that these were fraudulent transactions. So chase removed these transactions however supposedly they said i reported fraud again a third time. Which i did not do, And the reversed all the transactions and said to me that i gave authorization for these purchases. I did not give authorization. Well this led to Chase bank charging my XXXX Limit credit cards in astronomical amounts. Leading to XXXX, and XXXX on XXXX card. 

This raised the payment amounts tremendously to a minimum payment due of XXXX $ and XXXX on the other. This should n't have happened as i experienced fraud and for them to reverse the transactions and lying to me because their agent messed up and accidentlly marked my card fraud again, that was not my fault. I should n't have been charged for there mistakes. Well this led me to be late twice. So i called and got a Balance Liquidation plan. Which i still have the letter by the way. I made the first payment to this balance plan, Well i was late last month ONLY once and they sent me a letter saying if i miss two payments consecutively i will have my debt " Charged off ''. Well after this letter they went ahead and charged it off and i am not two payments behind. Therefore this is false advertisement, Not only did they ruin my credit but their debt collection actions and false letters are illegal and i am being scammed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I need to submit yearly income documentation to my student loan servicer, Nelnet, to recalculate my income based repayment. Nelnet told me I had a specific deadline by which to complete this. However, they had set a different, earlier deadline, which if I had not submitted by then, they would switch me to a standard plan and capitalize all of the accrued interest. I know that switching from IBR will capitalize interest -- however, I submitted the required documents by the deadline they told me. But they had capitalized my interest a few weeks before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: John C. Heath, Attorney at Law, PLLC
State: NV
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:
This is the third time I've tried to get ahold of Lexington law to comply with their letters and documents that they sent me on my issue. D actual nation and getting from the attorneys at Lexington XXXX  getting verbally that there not requesting me to be a client again. I'm a consumer with consumer rights and I have an issue with Lexington law as far as the making me a client with their product. I have documents showing that they have requested that I had Liberty to go ahead and reissue a new client relationship and to have declined me verbally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Late fee

Complaint:
Hello, I have disputes with XXXX different companies to remove derogatory items affecting my credit score. 
Prior to this issue my credit score was XXXX. 
I desire to get my excellent credit rating back on track. 
I feel like I am being bullied by these companies and have tried everything I know to do with no results. 
I am disputing the following : Below is a full description and resolutions of what is required to receive an XXXX credit score, time is of the essence, I desire to purchase my dream home in XXXX. 
The merchant accounts amount as follows : XXXX XXXX $ XXXX XXXX XXXX {$1200.00}. 
Both XXXX and XXXX XXXX have passed that statue of limitations to collect a debt in New York and XXXX. 
Resolution : They must remove this off my credit. 
& XXXX ; Dispute Explanation & gt ; Item XXXX and XXXX was my credit card processing and equipment companies. I closed my company in XX/XX/XXXX which obviously I needed the equipment. I contacted the companies that I closed my businesses and never heard anything from them until XX/XX/XXXX, when they put the the negative items on my credit report. 
& gt ; XXXX : I want both of these charge-offs removed. 
& gt ; 1. XXXX & gt ; XXXX XXXX XXXX XXXX. 
& gt ; XXXX PA. XXXX & XXXX ; 2. XXXX XXXX XXXX & XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX & gt ; XXXX, Il XXXX & XXXX ; XXXX XXXX XXXX XXXX & gt ; 3. XXXX & gt ; XXXX XXXX XXXX. 
& gt ; XXXX OH XXXX & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; XXXX is stating that I was XXXX months late which I was n't and it confirms I was not on my credit report. According to their credit policy a late credit reporting is only done when a person is XXXX months late not XXXX days late. 
& gt ; Resolution : I want the XXXX day late report removed. 
& gt ; & gt ; XXXX. XXXX & gt ; XXXX & gt ; XXXX, FL XXXX & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; XXXX which issued my XXXX. I had a XXXX balance with this company and they took the liberty to check my credit score and made an executive decision to close my account which adversely affects my credit score. 
& gt ; Resolution : I want my XXXX XXXX re-opened because they did not have permission to check my credit score after my credit card was approved. 
& gt ; 5. XXXX XXXX XXXX & gt ; XXXX XXXX XXXX XXXX. 
& gt ; XXXX XXXX South Dakota XXXX & gt ; & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; Years ago I closed this credit card with a XXXX balance. 
& gt ; & gt ; Resolution : I want this credit card removed from credit report because the closed credit card like the XXXX card being closed adversely affects my credit card. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$76.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX XXXX {$6200.00} XXXX XXXX XXXX XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Citigold checking account with the promise of receiving XXXX thank you points around XX/XX/2016. At that time it had a promotion code I used and the terms were to make 1 bill payment for 2 consecutive months will qualify you for the bonus payable in 90 days after the requirements were met. It has been more than 90 days so I decided to ask Citi why the promotion points have not posted to my account in XXXX 2016. Citi replied saying the promotion is not valid and only targeted to specific addresses. This does n't seem right to me as I have followed all the procedures and even received a letter in the mail stating I would be eligible for the points if all requirements were met in XXXX 2016. I will attach all the information needed to confirm my case as I have followed the rules and should receive the points in 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 2022-05-19
Company: Atlanticus Services Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone had opened a credit card in my name without my knowledge the card is from fortiva

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-19
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section A. Stated I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Citimortgage to attempt to remove PMI from my mortgage loan. The conditions under which they would remove the PMI ( XXXX % XXXX with a new appraisal ) were different from the paperwork I signed at my closing ( XXXX % XXXX with new appraisal ). My original loan was with a different company, but they sold it to Citimortgage. I paid Citimortgage for an appraisal as the identical unit next to mine appraised a few months prior well below XXXX %, but it came back at XXXX % XXXX. I asked for a review of the appraisal as one of the homes they used was in horrible shape and on a busy street, but they refused to adjust my appraisal. Regardless, I do not feel the terms under which PMI is removed should be different from the original loan paperwork I signed ( which was XXXX % XXXX XXXX

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 2016-10-18
Company: FMS Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My medical bill was removed and forgiven by the Hospital " XXXX '' and they removed it off all my credit bureau 's, since I had to sue them since the Doctor XXXX XXXX hurt me by XXXX, causing me to have XXXX XXXX 's. The Hospital removed the medical collection off my credit bureau 's. Now this collection company FMS INC has been told the bill was removed by the creditor, but they put it back on my credit report even thought they have been put on notice, the Hospital took if off, and forgave the Bill. Ive called FMS INC to remove it and they said that they would but after 10 days have not removed it and it is hurting me. 
thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX. I am a victim of identity theft. On XX/XX/XXXX XXXX, I sent XXXX, Transunion, and XXXX an FTC report with my State ID.

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 2022-05-19
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a court date for XX/XX/21 for a judgement hearing, got many cards mailed to me from the court to remind me of my court date, also received phone call on XX/XX/21 which was a Friday from the court clerk reminding me of my court date for the XXXX. On that following Monday XX/XX/21 a judgement was entered against me from this debt collector Hayt Hayt & Landau, same court, same judge for my court date on XX/XX/21. How does that happen? Filed earlier complaint against this debt collector, I stated that I never got the respond back to their answer on my side, never the less, they stated in that complaint that they sent me the verification I asked for. They never did, I'm stating that here now also.

Company response to consumer: Closed with explanation