BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was solicited directly in the mail by XXXX XXXX/Citibank to open a AAdvantage Platinum Select credit card.  As part of that offer, I was told that if approved and the card was issued, once $3,000 or more of purchases were made using the card my AAdvantage account would be credited with an additional XXXX miles.  This was the primary reason I applied for the credit card and the motivating factor for me to use this card for my purchases versus other cards.  After receiving the card and completing the required amount of purchases and paying the full amount of my credit card balance, the additional miles were not credited to my AAdvantage account.  When I called XXXX XXXX to find out why, they indicated that since I had previously had a Platinum Select card within the last two years, I did not qualify for the award.  There was no mention of that restriction in the solicitation and they were aware of my prior card when they solicited me by direct mail.  I consider this deceptive advertising and promising false incentives to induce me to use a credit card that otherwise I would not have applied for nor used.  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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Their investigation did not fix an error on your report

Complaint:
Last year I applied for a " re-approved '' XXXX XXXX, which was denied with little explanation. I got my credit reports from the three major agencies and the only credit problem was a three-year-old alleged debt to a company named XXXX Department Stores, which alleged I opened the account on XX/XX/19 and have had a balance of {$34.00} ever since. I have no record, nor memory of this. If this company ever sent a bill, I did not get it. I do not have nor have I had any XXXX XXXX card except my current one, which I have had 20 years with a near impecible payment history. I disputed this with TransUnion. Their " resolution '' was XXXX Department Store charged off the {$34.00}, and TransUnion report now shows the debt as " charged off. '' When I inquired about re-financing my house I was told my credit report would increase the interest rate from 2.8 to nearly four percent. I then applied for an XXXX Credit card to see what effect this had, I was again denied. The photos of the attached email lists the reasons. None of these reasons are true so far as I can tell but are too vague to know what they mean. I pay off all my credit cards in full every month, and my only other debt is for a home equity line of credit from 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 2015-10-24
Company: Empowerment Ventures, LLC
State: TN
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
Rush card services has about XXXX $ of my gf direct deposit money an we depretly need it we 've called customer service emailed contacted via XXXX any advice greatly appreciated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
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: Information belongs to someone else

Complaint:
i am a victim of identity theft. My XXXX credit card that was opened on XXXX XXXX, XXXX was XXXX. The balance of {$2500.00} is all fraudulent transactions and do n't belong to me. The following hard inquiry do n't belong to me : XXXX, 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 2021-09-17
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was in forbearance until XX/XX/XXXX with Flagstar. I called to see what options I had moving forward and was told my forbearance expired XX/XX/XXXX. I was never advised of this when my forbearance continuation was extended until XX/XX/XXXX. When I called to enquire why my online account was showing : You are currently on an active forbearance plan that is set to end on XX/XX/XXXX Please keep us updated on your financial circumstances so that when you are able to resume making monthly mortgage payments, we can provide you the best opportunity for an efficient mortgage reset. Please click Update Hardship Information to begin. 

I was told there's a problem with their online accounts and they are aware of this issue. In the meantime, there is nothing more they can offer me than to accept the deferral option I was approved for or file loss mitigation. This misinformation of the end of deferral dates and their lack of accountability for their mistakes finds me in a really bad spot. I would like the same options offered to me while my account was still in forbearance. After all, I was going by what I was told on the phone and what is showing on my online account. Furthermore, on XX/XX/XXXX spoke to three different people and received three very different answers. One said I was no longer in forbearance but protected under FEMA until XX/XX/XXXX, Second rep told me my account had a 30 day and 60-day late payment reporting ( never late on mortgage payments, prior to forbearance ), and the third was unable to do anything more after checking with her supervisor because my forbearance expired on XX/XX/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 2015-11-05
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Every time I deposit money in Scottrade, there is no telling when it will available. Sometimes it 's 3 days or XXXX maybe XXXX or XXXX ; they hold deposits for ransom. On the website it shows 2 or 3 days - bait and switch. I am going to close all accounts with Scottrade. The branch manager, XXXX XXXX, told me I should just use my other bank account that I transferred money from. Any bank I 've ever dealt with has a 3-day hold. This deposit was an ACH deposit from my other outside bank account. It 's not even a personal check ; it 's from one bank to Scottrade. I talked to XXXX different people at Scottrade and all XXXX had different answers from 3 days to 7 days. I called at XXXX in morning and I 'm still waiting for an answer XXXX hours later ; I 'm still waiting - maybe tomorrow, the money will be available. I made this deposit on XXXX/XXXX/13. On XXXX/XXXX/13, XXXX XXXX said that it should be available. This is a joke. Look on website ; it will show 2 or 3 days.

Company response to consumer: Closed
Consumer complaint received 2021-09-17
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation of a debt on XX/XX/XXXX from this collection agency. I have not received an validation of debt as of XX/XX/XXXX. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to Wake Emergency Phys P A for them to release my medical information to a third party ( Amerifinancial Solutions ). I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide a breakdown of fees including any and all collection costs and medical charges -Please provide a copy of my signature with the provider of service to release my medical information to you -Immediately cease any credit bureau reporting until debt has been validated by me I have not received any information from this company. They are in clear violation and I requested deletion of this account from XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX received a threatening phone message from XXXX XXXX claiming to be from XXXX XXXX stating that I had committed fraud and they were contacting me regarding a check. She mentioned my bank. ( I have the recorded message ) I researched company number and found XXXX and Weiss Arbitration listed. I also found complaints and scams identified with this company. 

XXXX XXXX received calls from XXXX friends and my brother stating they had received threatening call/message from XXXX XXXX at XXXX XXXX about a fraudulent check from me. She mentioned my bank on the messages to them and with XXXX person stated that that friend could be charged with fraud if she did n't make me contact them. ( I have XXXX recorded message ) XXXX XXXX, I called the number left by XXXX XXXX and stated that I was recording any communication and to call me back. 

XXXX XXXX around XXXX am, XXXX XXXX called and asked " How can I help you? ". I stated that she had requested I contact her and what was it regarding. She first stated it was for a check with my bank. Then she stated it was a creditor. I questioned dates and amounts. I did not identify with the debt and asked her to mail me statements of the debt. She emailed a statement to me but I have not received a physical statement or proof of the debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-27
Company: SYNCHRONY FINANCIAL
State: LA
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:
Care Credit is a type of medical credit card, I believe Syncrony bank backs it ( their site says they are in FL ). I have had the card sin ce 2014. Part o f what Care Credit offers is deferred interest for a period of time, i.e. deferred interest on your medical procedure cost for 6 months, or a year, etc. As long as you pay off the balance prior to the promotion 's exp. date you pay no interest.  Since 2014 I h ave always paid off the balance before the exp date. I just realized though that they have been charging me interest each month for over 2 years. I called and they said its because back i n 2014 I h ad a late fee. And despite my account being on auto draft ( i.e. THEY are taking my payment each month themselves and applyi ng it ) th ey have not applied a dime to the late fee or to any interest ( so that they could continue gouging me of course ). So they 've been charging me interest on the late fee from 2 years ago. Which I did n't  know one cou ld do that, but anyway I said OK I 'll just pay the late fee - however they now claim that the interest kept going, and that they will continue to charge me interest each month, ON THE INTEREST that had previously accumulated on that ( now paid ) late fee in the past! My attorney suggested that I start by reporting this to the FTC / A.G. 's office - I have submitted this to the FL Attorney General 's office as well.

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 2017-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Capital One credit card services charges me a annual fee which I was not notified of via email or mail. I owed nothing on this card so no monthly fee was due. I was then charged and not notified and then proceeded to submitted a noticed to the credit bureaus that it was delinquent. I have used the card or spent money. They submitted I was delinquent using my credit card event through I did n't use it. I have been trying to take action with capital one but getting nowhere and they are being supportive. My credit was effected over XXXX points and has increased all my rates with other companies creating a hardship. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
[ Case number : XXXX ], [ Case number : XXXX ] I am still receiving notices in wrong name this one with an extended alert for 7 years. I did not ask for that, I also received it on a post card vs in a letter which is unusual for a credit report co.

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 2018-03-14
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: Their investigation did not fix an error on your report

Complaint:
Last year I paid my debts. I started inXX/XX/XXXX. The first 2 were XXXX XXXX and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and portfolio. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : CBNA Account # : XXXX I was never late 30 days late in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Ever since I first tried to be successful chasing the American Dream, companies like XXXX have been profiting off of me and keeping me down. They are the default " ethics police '' and the # 1 form of " lawful '' slavery. Their theft of my personal information means I ca n't even put money in a bank without those XXXX  knowing MY business ( not their business!!! ) I want them to delete my information from their database, they have made my life a living XXXX and I want justice. Their company keeps the rich rich and the poor poor. Their company supported XXXX XXXX and calls XXXX XXXX uncredible! ( For the record, I AM credible, dummy XXXX! ) I find their business model incredulous and can not believe that people are investing billions into this fraudulent scam to profit off of the American poor. This has no dignity and I am concerned that honest people are unwittingly supporting this classism through their investment " advisors ''!!! XXXX : Supporting classism for over 100 years! 
XXXX p.s. if they made actual changes to help the poor ... that would be something, but as far as I can tell, in its current state, the company does more harm than good. 
Also their " freeze '' is 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 2017-10-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
{$280.00} dollars were taken out of my account via an ATM in a different city than mine.

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 2020-01-19
Company: EQUIFAX, INC.
State: FL
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:
OPENED TWO ACCOUNTS FRAUDULENTLY XXXX AND XXXX XXXX REMOVED CREDIT CARDS THESE ACCOUNTS FROM MY CREDIT REPORT THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection agency sent documentation to me showing that I have a XXXX balance but they are trying to collect interest. They have over 10 accounts that are like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Ad Astra Recovery Services Inc
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX of the year 2016, I began receive information from a collection company stating that I owed them money in the amount of {$130.00}. It was stated that debt was seriously past due, assigned to an attorney, and reporting to credit bureaus with negative information to be reported if action was n't taken immediately. After several attempts to dispute whom I had the account with and asking for verifiable witnesses to substantiate their claims that I owe anyone the said amount, which has not been verified. This company has not only damaged my reputation as an consumer, but also has vilified my name with the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have reached out to ACS three weeks ago about having issues making payment on my loan. They informed me of some sort of income driven repayment and said they would send me an application. I am now a week overdue and I have not received the application. This unfortunately is not the first time I have had to deal with this type of issue with ACS and am finding them sending documents late a recurring issue. I always have to call, sometimes up to three times to get them to finally send me the document I need. This creates my account to go past due and I am then penalized. ACS needs to be a little more on top of sending me the documents I request so I can stay current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: JPMORGAN CHASE & CO.
State: VA
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:
I have already attempted to resolve this with Chase Credit Cards on numerous occasions, and still I am being ignored. I was charged numerous fees for items that I never purchased on both my Chase Slate and my Chase Amazon CARD, without my express approval. I did not give the company permission to take the large amounts and tack them onto my card. I did not make these purchases, and will not be paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following information needs to be corrected on my credit report : My name and address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX My previous address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The following name should be deleted : XXXX XXXX My second middle name is touching my last name and it shouldn't be, please correct it. 

And the following previous address should be deleted : XXXX XXXX XXXX. 
XXXX, SC 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 2021-03-23
Company: SYNCHRONY FINANCIAL
State: OH
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: Their investigation did not fix an error on your report

Complaint:
I opened a case with CFPB in late XXXX or Early XX/XX/XXXX ( case # XXXX ). This case is now closed and I received a letter from Synchrony Financial dated XX/XX/XXXX saying that they submitted a request to the major credit bureaus to delete any delinquency that occurred on XX/XX/XXXX with my HSN credit card. They noted the correction could take up to 60 days ( I will attach this letter to my complaint ) Today is XX/XX/XXXX and I don't believe that I see any update to my credit report. Please let me know what I should do next.

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