BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After getting a Citi AAdvantage credit card in XXXX 2015 I received an offer from Citibank for XXXX XXXX miles for opening a new Citi Gold checking account and making specified transactions. I opened the account, made the required transactions, and in various secure messages from Citi I was assured that I met the requirements of the promotion. I was promised XXXX XXXX, miled by XXXX XXXX. Now Citi is claiming that I am not entitled to the bonus as promised. 

I do n't understand how this can be legal. I want Citicard to honor the promise they made to me in writing and post my XXXX miles to my XXXX account Thank you in advance for your assistance.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
THIS IS NOT A INVESTIGATION/REINVESTIGATION REQUEST WITH XXXX XXXX  THIS IS NOT A SUPPRESSION REQUEST. THIS IS A NOTICE YOU ARE BREAKING FEDERAL LAW, AND YOU MUST FOLLOW THE FEDERAL LAWS SET BY CONGRESS. 

The letter mailed on XX/XX/2021, put you on notice for advertising false and misleading information. In accordance with Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have thirty ( 30 ) days to complete a thorough and accurate investigation and make the consumer aware of the final results of the investigation within five ( 5 ) days.

I was NEVER made aware an investigation was done, or the results of the investigation.

YOU ARE LEGALLY REQUIRED TO EITHER DELETE OR MODIFY THE INFORMATION IMMEDIATELY PURSUANT TO U.S. Code 1681i ( 5 ) ( I ).

THIS IS NOT A INVESTIGATION/REINVESTIGATION REQUEST WITH XXXX XXXX  THIS IS NOT A SUPPRESSION REQUEST. THIS IS A NOTICE YOU ARE BREAKING FEDERAL LAW, AND YOU MUST FOLLOW THE FEDERAL LAWS SET BY CONGRESS. YOU ARE IN DIRECT FEDERAL VIOLATION.

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 2020-04-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have two charges on my account one for a photographer and one for a videographer that I never authorized. However, every time I dispute it and appeal it they deny it every time. They are not protecting me the customer at all. I have not been rendered and service nor received and service for these charges that werent  authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
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:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2022-05-06
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The available credit on my account is showing {$0.00} when it should be showing {$1900.00} based on the recent payment plus the disputes that have been resolved in my favor. Goldman Sacs ( Apple Credit Card ) has not updates my available credit and they will not give me an answer as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a flyer from a company with a {$100.00} off offer. I purchased it with my PayPal Credit card ( Synchrony Bank ) to take advantage of a 6-month no interest promotion, and did not get my {$100.00} credit upon checkout from the vendor.

I received the device, and the credit card statement for the full amount. I contacted the original company who agreed the offer was misleading, but would not give me the {$100.00} credit. So, I opened a claim with PayPal Credit and provided a screenshot of the email, and the flyer I received.

PayPal Credit removed the charge while they investigated. Someone at PayPal Credit closed my claim because they thought I was disputing receipt of the device, not the amount billed. PayPal Credit then moved that balance from my PayPal Credit card to my regular PayPal account who now wants the payment in full.

I have called both regular PayPal and PayPal Credit, and they both say that the balance can't be moved back - claiming that they are two different companies. If this were true, then PayPal Credit would not have been able to transfer that balance back to regular PayPal.

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 2021-08-01
Company: Incomm Holdings Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a vanilla one prepaid card from XXXX in the amount of XXXX dollars. A couple of hours after purchasing I noticed four purchases that I dont authorized nor make in the amounts of XXXX, XXXX, XXXX, and XXXX dollars. I immediately phone vanilla one about these transactions and they did cancel the card. I also reached out to where to the company where these unauthorized charges was made and they was very helpful and attentive. They communicated with me in a timely manner, unlike one vanilla, and they told me since this was a prepaid card I need to contact one vanilla. Ive have called and emailed them several times, which is documented, about my dispute of XXXX dollars. I still have the receipt and packaging of proof of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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:
l received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$18000.00} XXXX   XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX ( via servicing arm XXXX  ) transferred servicing of my loan to PHH Mortgage, formerly known as Ocwen.

I received a notice of servicing transfer from XXXX. I received no such notice from PHH. The effective date of servicing transfer is today, XX/XX/XXXX. I called PHH on XX/XX/XXXX to make sure that they were in receipt of my loan, and that my mortgage clause would be changed on my homeowners insurance binder. The agent on the phone went to " check with their insurance department '' and promptly hung up the phone. I decided that this was no big deal, I would wait until XXXX to make sure things went smoothly with the transfer. I left a message with my insurer, XXXX, asking whether they were aware of a servicing transfer. I never received a call back.

I attempted to call PHH again on Friday, XX/XX/XXXX during their stated business hours. However, when I went through the automated phone system, the line disconnected. Nobody answered my call no matter how many times I tried to call them. 

It is now XXXX. I have not received the notice of servicing transfer from PHH, only from XXXX. When I attempt to create an account to make a payment with PHH, I am unable to do so, and the website/app are telling me they are " unable to find your loan. '' I am entitled to pay PHH beginning today, but I have no way to view my mortgage account. I can not call them on a weekend, since they have closed their call centers. The PHH automated phone system does not give me any information about any loan they are holding, despite the fact that they are my servicer beginning today.

Additionally, I have learned that I will need to pay a fee to make ACH payments. I view this as an unreasonable fee and an undisclosed interest payment. This is unacceptable. The CFPB needs to do something about this immediately. PHH seems more interested in letting payments go into default than letting us pay down our debt.

I am missing the transfer of servicing notice from PHH, which is my main concern. My secondary concern is that there is no way to pay them without sending a check for an account that, according to their system, is not active on the effective date of servicing transfer. If I were to send a check, how would they post it to my account if they have no records of being the servicer? 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: AES/PHEAA
State: CO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
National collegiate trust bought out my student loans and claimed I am I 'm default from loans that were purchased in 2005. I have mad several attempts to get this business under fire for their wrongdoings and wo n't stop until I do. There is nothing stating I must stay in default and have my credit ruined by a collector XXXX. The loans were originally serviced out of XXXX and I live in XXXX. Somewhere this loan stops here. I even tried to send a complaint to the XXXX on this company to which I was told down at exist. I have a screen shot of the initial letter that states this. How am I paying to a company that does n't exist or when trying to locate even simply through XXXX wo n't come up? I refuse to stay in default for over 4 years. Something needs to be done. XXXX XXXX and XXXX has my loans and if you do n't answer then I 'll go after them too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: MI
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:
On more than one occasion transunion never mailed my credit report on XXXX and XX/XX/2021, in which the law states a free copy of all three ( 3 ), credit reports every one to two weeks do to the on going outbreak, I believe that someone name on my credit report maybe showing up, or something or someone is plugged into my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up and opened a citibank checking account late XX/XX/2020 to take advantage of the XXXX thank you point bonus for signing up after you spend {$750.00} and make 2 bill payments within 60 days. I did complete those terms and citi bank has not credited my account. They have not gotten back to me after I complained.

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 2016-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My wife & I, Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served.

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 2021-08-01
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Attempted purchase of a freezer through Sears on XX/XX/XXXX. Item was not delivered as promised. After multiple missed delivery dates by Sears in which they continued to reschedule new, later dates, we finally cancelled the sale in XX/XX/XXXX, nearly 6 months later because of the non-performance on their part. We were promised a refund within 3 days by the customer service representative, which did not happen. After allowing 5 billing statements without a refund, we sent a letter requesting the refund. The letter was sent XX/XX/XXXX and we have received no response from Sears. Enclosed are the statements and the letter. As you will note, the amount that should be refunded is : {$1300.00} per Sears, although the amount charged was {$1300.00}. Sears states that they are keeping a dollar for undisclosed reasons, which we take issue with, since they have had our funds, interest free, for nearly a year. Please note that the refund should be sent to our new address : XXXX XXXX XXXX XXXX XXXX, XXXX, IN 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 2015-08-17
Company: Unique Management Services, Inc
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son has control of my library card and had used it. He hid the late notices from me. When I found out Through XXXX that I had owed {$96.00} I was XXXX. I told to pay the debt. So he went to the XXXX XXXX Library to pay it. The XXXX XXXX Library should have it on their books as paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX continues to report an open collection item on my credit report, even though this item has long since been paid in full. The balance is zero. This item has not been updated on my report in over a year.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I paid my homeowners insurance premium In XXXX to the XXXX XXXX XXXX XXXX and with my policy I was informed that I did not get the best rate because of information given to them by LexisNexis. I was also told that I could get a copy of that report. 

I wrote LexisNexis immediately for the report but only got a letter asking for what would be an identity thieves dream. They wanted a ) a copy of a bank statement or a utility bill with my current address ; b ) a copy of my drivers license AND c ) a copy of my Social Security card. Thinking that they were a reputable company I submitted the items requested. But no report was given to me. I may have assumed wrong about their reliability. 

I would like you to investigate this complaint and see if you can get the company to comply with what is legally required of them. 

The address I have for LexisNexis is : XXXX XXXX XXXX, XXXX, GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2015-10-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
IQ DATA INTERNATIONAL IN, XXXX XXXX XXXX, XXXX WA XXXX, XXXX seeks to collect on a debt that is not mine and to which I dispute. They have illegal made credit report entries without the legal authority to do so. Their reporting is inaccurate, incomplete and unlawful, as is there debt collection on the subject matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Both Transunion and XXXX  have accounts that should not be shown as delinquent. 
Both credit bureaus also take too long or don't remove accounts that should not be on report. 
My family and I have contacted both bureaus and they are clearly unreponsive and rude.

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 2020-04-01
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX XXXX XXXX had fraudulently pulled from my Credit Report from XXXX and it has dinged my scored, yet tried to mediate the situation, but to no avail. Then, on XX/XX/XXXX, XXXX XXXX / XXXX had also did such action. Finally on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX has also used my information without knowledge. No one has access to my information.

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 2022-04-13
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I submitted in writing on XX/XX/2022 via certified mail ( USPS tracking number XXXX ) a letter informing Oportun IncProgreso of an inquiry and their violation of the FCRA and Various US Codes that they are in violation of and demanded that the inquiry be removed as well as a settlement payment of {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ] to which I received no response, which is also another violation. Please see attached letter that was mailed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: JPMORGAN CHASE & CO.
State: GA
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:
On XX/XX/XXXX, XX/XX/XXXX, and XXXX, JP Morgan Chase had fraudulently pulled from my Credit Report from XXXX and it has dinged my scored, yet tried to mediate the situation, but to no avail. Then, on XX/XX/XXXX, XXXX XXXX / XXXX had also did such action. Finally on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX has also used my information without knowledge. No one has access to my information.

Company response to consumer: Closed with non-monetary relief