BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for Citi Bank AAdvantage Platinum Select World Elite card in XX/XX/2018. When I applied the AD said as follows : They claim in AD if following conditions are satisfied then I get XXXX bonus miles after spending {$2000.00} in first 3 months and XXXX after making a total of {$6000.00} in purchases in first 12 months of account opening. Unfortunately I spent more than {$11000.00} because of there luring AD and see any other conditions posted under their disclosure and was never told on the phone. So I thought it is good deal in my Senior years and I can use this mileage for my vacation but later I saw it was never awarded to me and I was shocked. 
I called them about their misleading practice and not being transparent but all they made vague argument via letter as follows : Special offers are not allowed if account is approved or closed in 24 months. But honestly I did not see in their AD Disclosures. The copy of which is pasted below. If it is hidden somewhere to me that is fraud and deliberate lack of transparency.. I would like you please resolve this issue that is fair to me. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CITI ADVERTISER DISCLOSURE Partner Offer Citi / AAdvantage Platinum Select World Elite Mastercard Good to Excellent Credit  Recommended ( XXXX )? 


at Citi 's Secure Site Intro Bonus XXXX miles Earn up to XXXX American Airlines AAdvantage bonus miles : XXXX AAdvantage miles after making {$2000.00} in purchases in first 3 months and XXXX after making a total of {$6000.00} in purchases in first 12 months of account opening* Reward Rates 2X 2 AAdvantage miles on eligible American Airlines purchases* 2X 2 AAdvantage miles for every {$1.00} spent at gas stations* 2X

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 2017-10-16
Company: Harvard Collections, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with Harvard Co. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX PHYSICIAN. I am not responsible for this debt with Harvard Co. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of South Carolina to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
I have a master card account. I am the primary holder with my wife also on the account. Our cards quit working. Called to find our what happened. Told our account was closed be cause my wife did not respond to request to update her info. We have been Master card holders for nearly 40 years, Never a late payment, paid in full each month have a cred limit of $ XXXX. We get letters, email weekly to update account info on various account most of these are scams. My wife 's info has not changed in the 57 years we are married. They simply want more personal info to sell their data bases. We refuse to provide any additional info! I have had may occasion where a card quit working and found it was suspended for suspicious activity.When I call card is reinstated or a new one is issued. Why is his different? Since my account is closed it is with Bank of America CC # 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 2018-12-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I SENT THE FOLLOWING TO CHASE. NOTE* XX/XX/XXXX Chase on a recorded line told me to stop making mortgage payments. It due to my HOA stealing the title to my home and not allowing Chase to redeem my property. At present, HUD FHEO ( XXXX XXXX ) is reviewing my request for fair housing discrimination. 

CHASE has stayed every foreclosure since XX/XX/XXXX provided I could prove active and contentious litigation. I would not be in foreclosure if Chase had not told me to stop making payments. 

XX/XX/XXXX Chase encouraged me to stop making mortgage payments in its effort to support me as I defended my property rights. My HOA stole the title to my home XX/XX/XXXX and during the first quarter of XXXX Chase 's effort to repurchase those rights was thwarted. Until now, I have fought my HOA on my own. But due to limited financial resources and cognitive and other physical XXXX due to a near fatal car accident I had to get help. Attached is acknowledgement from the US Department of Housing and Urban Development. It includes a name, telephone number and email address of the person reviewing my matter. Please honor the word given to me by Chase representatives when they said as long as I could prove active and contentious litigation they would stall foreclosures. The reason Chase said this is because at the time, XX/XX/XXXX, it was unknown to me or Chase whether or not I would prevail in Court. The HOA already had the title and they despite knowing I was challenging the validity of their title seizure, was expediting a dispossessory in magistrate court. If the  magistrate court dispossessed me from my residence I would be evicted yet still financially responsible for the mortgage. If I won, then I would not have a problem - but if I lost, then the property would have also foreclosed due to nonpayment. Please do not let my home foreclose. I have been the victim of XXXX housing discrimination since XXXX. They have harassed me practically every day for 15 years. The documentation provided supports that I am telling the truth. If this were about money and not race - they why did they not simply take the money from Chase when it was offered during the first quarter XXXX. Please ask your legal department to file a tortious interference with a business contract lawsuit against my HOA. Essentially, the unlawful foreclosure of my title impeded the financial business relationship I have with Chase. The financial injury to Chase would be the missed mortgage payments that included interest income not realized by Chase that could have been received in a timely fashion and used to further its business interest. Even if you do not file suit against them, please do not allow my home to foreclose. I am doing my best to fight them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Not up to date accurate information on my credit report still

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 2020-05-01
Company: Bread Financial Holdings, Inc.
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Navient Solutions, LLC.
State: MT
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:
Missing {$350.00} in payments to my loans, please see attached for the list of payments that are missing and the acknowledgments of the payments.On  XXXX 17 Interest was paid twice, once on  XXXX -17 and once on  XXXX -17. All the amounts from the acknowledgments did come out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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 Fir Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. This account is not mine. 

15 U.S c 1681 Section 602 A states I have right to privacy 15 U.S c 1681 Section 604 A section 2 It also says a consumer agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nationwide Credit Corp is trying to collect a {$2.00} debt for Washington XXXX XXXX XXXX which opened on my credit report XX/XX/2021. 

I do not owe this creditor any money. This need to be removed from all XXXX credit bureau files immediately. I DO NOT OWE THIS DEBT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I called into Chase Credit Card to make a payment on my account ending in XXXX. The bill was a small amount but several months due to Hurricane hitting down south where my brother lives and my mother was staying. My mother subsequently became ill due to the stress of the damage and having to return back home to NJ and I did not pay attention to my bills. The total amount due was originally {$200.00} and the representative offered to remove the late fees so the balance paid was {$120.00}. I asked the representative if all was well with card and she said to wait 24 hours to allow payment to process and all should be fine. She said my available credit was {$20000.00}. I also inquired about my XXXX bonus points and she said I could also start redeeming them after the first 24 hours. This morning I went to XXXX and was declined a {$23.00} charge. I called Chase and they told me card was closed and I no longer have the XXXX points which have a {$550.00} value. So they in essence stole the money. I asked to speak to a supervisor who just said it was policy and had no interest in reviewing notes on my account. I also asked that the recordings of my conversation be pulled to verify my statements. I have been a Chase card holder since XXXX. They need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: CA
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:
im filing this dispute because I have failed to receive any results on my initial dispute on regards of the incorrect fraudulent accounts reposting on my credit report. it is very misleading and stressful because they are taking a disadvantage of me and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: GA
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  Formerly 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 also states a consumer agency can not furnish an account without my written instructions,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
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:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today I contacted Navy Federal Security and once again they tell me my claim is denied. Yet they tell the FCC that they are still working on it. They have restricted my online access and my bank debit card and tell me I will never get this back. Yet, they will not accept nor request a police report that I have. They will not accept any documentation proving the local police have prosecuted the person who used my account. Navy Federal Security Investigators are by far one of the most unethical incompetent divisions known to man. They play XXXX with peoples lives and have no right to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Possible Financial 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 ActPossible Financial has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, INC.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and XXXX of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my Equifax and XXXX reports as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00} CREDITOR : XXXX XXXXXXXX, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit  reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , FL 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 2018-12-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I just found out that Synchrony bank has been charging me {$10.00} a month on a card I've had with them since XXXX of 2015. 

For the last six months I had been wondering why I couldn't get my balance to go down. I thought maybe I had a subscription to something that I didn't realize I had subscribed to, so I cancelled the card. I was still getting these fees and not understanding where it came from. I messaged someone on the live chat. They told me I signed up for it, what it was, and why it's been there. I reacted in a very shocked manner because I really couldn't believe eyes. 

Keep in mind I'm a XXXX year old attending XXXX  full time. 

I messaged XXXX on the secure messaging system, as well as the live chat, as well as emailing synchrony and XXXX. Nobody would help me and the live chat employee told me to call a number to have them cancel and refund me. XXXX. 

I called and after being on hold for 20 minutes, the CSR answers and of course, tried to give me the run around. At this point I was furious. I kept telling her " I did NOT sign up for this, and I was NOT aware of it. I need you to cancel it and give me a refund '' I was told I'd be refunded {$360.00} ( Out of my {$610.00} total, meaning I had only accrued {$250.00} on this credit card myself. ) I never received the {$360.00} refund. 

This " optional '' security fee that nobody is informed of, ended up costing me over half of my balance. Why would I pay for something that would get rid of my debt in the event of " losing my job '', when it costs over double what my actual balance is??? THAT MAKES NO SENSE. 

This is a SCAM and it is deplorable.

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