BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-14
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
My XXXX XXXX credit card was originally with Capital one and then sold to XXXX. My credit card was never late. I always paid on time. They are reporting it late on XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the on XXXX late on XX/XX/XXXX and late on XXXX XX/XX/XXXX. I tried to settle this with them and the credit agency 's but nothing has been corrected.

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 2020-06-15
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an amount owed with XXXX XXXX and tried closing the account several times before it became {$710.00}. I was told that I can not close the account until it was paid in current standing so I then proceeded to ask if I could remove services which was then told the account was not allowed to have changes until it was current. Then when the account was closed it was still being charged for pay per view movies but I don't understand how the account could even purchase movies when it's closed. I'm not going to be responsible for more than a couple hundred and I also returned the equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2022 i tried to make a purchase with my XXXX store card, which run by Synchrony Bank Card Services. I later received an email that the store card was declined. 

I logged into the Synchrony Bank Card Services website to find out the card had been closed. 

I checked the messaging area of the banks website and it was empty. 

I then used the online chat feature to find out from an agent that my card was automatically closed and the only option was to reapply to open a new card. 

My issue here, is XXXX I was never notified that the account was closed. XXXX I was never given a courtesy message that my account was on the verge of being inactive for too long. XXXX By closing the account, they impacted my credit rating. XXXX their recommended solution was to again, impact my credit rating. 

They offered me a XXXX $ credit to my account if and when i reapplied for a new card and approved. {$30.00} wont come even close to the costs i will incur on future financing of cars, etc. due to a lower credit score. 

They clearly have the ability to identify an account that is on the verge of closing, and they also have the ability to make use of their very own messaging system to tell the consumer.

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 2017-03-09
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
CitiMortgage gave me a modification, then almost simultaneously transferred my mortgage to XXXX for processing - but for the wrong amount - $ XXXX higher than the modification. No one would correct the issue even though they could see the modification. XXXX finally sold back my mortgage to Citi, again for the wrong amount they received it from Citi. But now Citi looked at it as a NEW deal from XXXX - and has been impossible to get matter corrected. I hired an attorney and began paying based on the modified amount. Eventually, Citi said I had a deficiency and was in default. Only after they initiated litigation was I able to clear up the matter with attorneys ( theirs and mine ). Final outcome - Citi settled out of court $ XXXX in my favor. BUT KEPT THE INFO AT THE CREDIT BUREAUS TO SHOW AS IF THERE WAS A FORECLOSURE.

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 2019-12-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has a fraud alert on my credit file that I have placed. They will not remove it and keep asking for my dL and ss info and address that I have sent copies 3 times now! 
They send back the same letter requesting the same info. Im done dealing with these XXXX I want the fraud alert removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had 2 accounts open in my name fraudulently and I addressed the issue with the credit bureaus. XXXX is the only one right now I'm having issues with. They processed my documents that they requested, removed the accounts in XX/XX/XXXX and then re-inserted them on the report this month ( feburary XXXX ). 

This is really putting us in a bad position and I'm hoping that this will help! 

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 non-monetary relief
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
applied for a XXXX credit card today XX/XX/2020 and I wasn't approved because there is an account reflecting badly on my credit report. The company that the account is from is called XXXX. I did not open an account with this company nor did I allow anyone to open this account in my name. I did not gain anything from this account being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I do not have any written/verbal contract with this company and I never allowed them to run or access my credit information. I have already filed a police report regarding this suspicious account. I filed this report to the best of my knowledge.

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 2017-09-15
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX my mother had a form from a collection agency. It has three accounts they were trying to collect on. One account my mother was a co signer on. The other two accounts she was not. She called me in a panic and wanted me to call the agency to assure she was not responsible for the other two accounts. I called they denied sending the letter to my mother with my other two accounts, she is not responsible for. They wanted a copy of the letter for proof. XXXX XXXX I went to the office and gave them a copy of this one letter even though my mother had gotten more than just the one. The manager was not in and would call the XXXX. She did call the XXXX she did say they made an error and it wont happen again.. at that time I told her it had happened multiple times and I do n't feel that I should not be responsible for paying the debt. She did n't seem to be sensitive to the situation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019 and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.

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 2019-12-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage with Chase. The loan number is XXXX XXXX XXXX XXXX. I refinanced my mortgage with XXXX. That loan number is XXXX. The closing file/escrow number is XXXX XXXX XXXX. At the time of the loan application, Chase had not paid my taxes for the upcoming year. XXXX asked me to pay the taxes at closing. As I did. Before the closing, Chase paid XXXX County, GA my current taxes. My property address is XXXX XXXX XXXX, XXXX, GA XXXX. The parcel ID is XXXX XXXX. XXXX has since transferred the servicing of the mortgage to XXXX XXXX. XXXX is not involved in this complaint. But, they are the current servicing company. Chase uses a third party company to pay the taxes to XXXX County. That Company is XXXX XXXX. On XXXX19 XXXX XXXX sent {$4500.00} to XXXX County to pay my current taxes. Shortly there after, XXXX through it's title company ( XXXX  ) paid the taxes directly to XXXX County. That payment was accepted by the County. XXXX XXXX makes a bulk payment to XXXX County for all it's customers taxes. XXXX County took the payment in from XXXX XXXX. They then sent the over payment back to XXXX XXXX on XXXX19 in the amount of {$4100.00}. They took the difference between what was pay by XXXX  ( {$4500.00} ) and what they wanted as taxes ( {$4900.00} ) and returned to XXXX XXXX {$4100.00}. I assume that XXXX XXXX has returned the {$4100.00} that I am due back to Chase, but I can not confirm that because I am not a customer of XXXX XXXX. I spoke to XXXX XXXX in the Chase tax department on XXXX19. I told her that I would give Chase until XXXX19 to refund to me the {$4100.00} that I am due as as refund of the over payment to XXXX County. I have not heard back from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opene

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-02
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have not received any rate reduction information, my loan has not gone down since my start day of payment, which was back in XXXX. 
After numerous phone calls to Navient, and put on hold and put on hold for extended time ( 30 or more mins ), with every phone call if I was not cut off completely. All my loans were variable and taken out between XX/XX/XXXXto XXXX. My loans were with XXXX XXXX, which were then sold to Navient. 
Since XXXX I have yet to receive any rate changes to my loans, with one as high as 12.75 %. Every time I ask for a supervisor I am cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have an inquiry on my credit report from XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022 and I NEVER applied for a loan with this company. I reached out to XXXX about 4 months ago and I have the letters of correspondence stating they apologize but nothing has changed. They continue to sell my information to the Dark Web and I receive harassing calls daily from them and other companies attempting to get my personal information. I have also received letters from them asking me to do business with them since I reached out to them to remove me from their contacts!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violations and case that pertaining to my case attached in XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal  Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2015-07-08
Company: WESTERN CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid in full by XX/XX/XXXX of last year a bill that had gone to collections with Western Ctrl original creditor was XXXX XXXX XXXX XXXX. This suddenly appeared or updated on my credit XX/XX/XXXX as an open collections. I am VERY angry! I want this off NOW! I called Western Control and they have reported this debt as paid in full. I do n't know who took it upon themselves XXXX months AFTER debt paid in full to put this on my credit report. Its false reporting and needs to be taken off immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 
- See offer below After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
- See confirmation message below On XX/XX/2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX 2016. 

On XXXX, 2016, I did not receive my bonus points as promised. 

On XXXX 2016, I contacted Citi via message again that I did not receive my points. Citibank indicated that they will open an internal investigation. Finally Citibank asked me to contacted them to add and Citibank still have not complete the investigation, keep responding that investigation is in process and points still not add to my American airline account XXXX yet while I am paying monthly fee of {$30.00} to maintain my account. 

Citibank again requested me to provide XXXX XXXX account number for 3rd time and indicated will have the bonus within 10 days since XXXX XXXX and now it 's XXXX XXXX and still did not have my XXXX miles yet. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement by not giving me the XXXX american airline miles to my XXXX account # XXXX as promised Citi must credit my account XXXX XXXX miles immediately. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

Please help!!!!

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 2020-06-15
Company: Experian Information Solutions 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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2022-07-21
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: Account status incorrect

Complaint:
I have an inquiry on my credit report from XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022 and I NEVER applied for a loan with this company. I reached out to XXXX about 4 months ago and I have the letters of correspondence stating they apologize but nothing has changed. They continue to sell my information to the Dark Web and I receive harassing calls daily from them and other companies attempting to get my personal information. I have also received letters from them asking me to do business with them since I reached out to them to remove me from their contacts!

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 2022-07-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was never late with a payment for the furniture I purchased at Ashley Furniture. The Ashley Furniture credit card is now being run by Synchrony. It has been paid off for several years now as well. I have a decent credit score ( around XXXX ) and I know they accept people as low as a XXXX score. This was in their letter : " Scores range from a low of XXXX to a high of XXXX ''. 

There was no reasonable reason for them to close my account! I have been building my credit up and this is definitely going to affect my credit score! It is totally unfair and unacceptable for a credit card company to do this - I don't understand, please help me.

I called them and told them the same story. I even spoke with a manager and she said there was NO way they could " undo '' the closing. 

Please read the attached letter that Synchrony sent me via email. 

I recently had a derogatory mark from my mortgage lender, however it was straightened out AND I only have one mortgage which I have paid EVERY month. I just can't understand how they can just " CLOSE '' my account when I have decent credit scores and they will open up an account for someone with a XXXX score. WHY AM I A GREATER RISK FOR NOT MAKING A PAYMENT WHEN I HAVEN'T HAD A BALANCE IN AT LEAST 2 YEARS. 

Thank you, in advance, for any help.

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 2021-12-14
Company: AMERICAN EXPRESS COMPANY
State: WA
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 customer service

Complaint:
I earn Membership Reward points from American express on my purchases. These points can be invested in XXXX XXXX if the account holder has a a XXXX account which I have. However for last XXXX weeks I have been trying to transfer and use these points to invest in XXXX. It is not working. I have called AMEX several times. First time, I called American express a month back and was told that I needed to contact XXXX. I called XXXX. After a week I received a call and the rep wanted me to do the transaction as per his instructions. It didn't work. I was told that AMEX will send a new card. I got the new card on XXXX XXXX. The new card didn't work. I had the same problem in transferring points to XXXX XXXX. I called AMEX on XXXX XXXX. The representative tried to help me but had to put me on hold and I got disconnected. I called AMEX again today and while on phone, the representative reset my password without my permission and I had problem in creating a new password. Finally, I got it taken care of. However, the original problem of point transfer to XXXX XXXX is still existing. Meanwhile, I am losing money because I can't invest the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation