davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX, I went to a branch of Chase in XXXX to seek application for the Chase Freedom Unlimited Credit Card, with their Cash Back Rewards & Benefits shown on https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited. In addition to the normal cashback, they should offer " {$200.00} bonus plus 5 % grocery store offer - up to {$800.00} total cash back '' detailed on their website. I got approved and I waited for the physical card to arrive. 

Since I had XXXX XXXX, I could immediately use my approved credit card. However, I did purchases at groceries stores like XXXX XXXX and XXXX XXXX 's, but the cashback did not reflect with the 5 % they promised, but only the regular 1.5 % rate. I went to the branch asking for information about this problem, and they said they would be looking on that. 

Next week, I went back to the branch with the received physical card, and they answered that they could not honor the 5 % cashback, because they had system issues and asked me to call customer service line. I went back home and called the customer service, and they said that they could actually see the benefit on my card, but I had to wait for the monthly statement to actually see and receive the 5 % cashback on groceries. 

On XX/XX/XXXX, I received my statement and report on the points I earned, and there was no 5 % cashback on groceries at all. I reached out to customer service again, and they said I didn't have the offer at all, and there was nothing they could do, even though I applied for the credit card during the offer period.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (PA)

I requested a replacement card on-line & received an secure email that there was an 'issue ' & someone would get back to me withing 7-10 business days. I called Comnety ( regarding my BJ 's card ) to see if they could resolve & he could not. I have a {$1200.00} credit, so wanted the replacement card to use up the credit. Since they are delaying the replacement card ( kind of fishing there is a problem when they have my $ ), I asked for a refund, which he said would take a few weeks. 
Thank you for your assistance XXXX XXXX
Consumer complaint received 2023-03-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WV)

I received an Escrow summery from Freedom Mortgage Company on XX/XX/XXXX showing they were increasing my monthly mortgage payment due to insufficient funds in my escrow account. They were stating I was short {$1900.00} and will be increasing my mortgage payments an addition {$300.00} a month starting XX/XX/XXXX. I reviewed all my statements and the summaries they provided and found there should be {$660.00} surplus. I have contact them twice now trying to get this resolved but they refuse to review this error. I have created a spreadsheet showing what was reported each month on my monthly statements and what they reported on their yearly summery reports. There are 2 months every year since XXXX no funds were entering my escrow account. Every month I receive a bill statement showing a specific amount going to the escrow account to include the missing months on their summery. I would request an immediate review of this account and an official letter of apology once they correct these funds.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 I ordered a physical product from XXXX for {$1000.00}. After several days and it still not delivering to me I called Bank of America on XXXX and again on XXXX and several times since then requesting to file a claim to dispute the charge. 

I am repeatedly being told that the type of charge that it was could only be disputed by me and a representative would not be able to help. I learned that this is a lie and illegal, your bank should never deny to file a claim for a transaction that you find questionable. I went into the branch at XXXX XXXX XXXX XXXX and they also refused to file a claim for this charge.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

We made a payment to vendor XXXX XXXX for services of {$250.00} on XX/XX/XXXX for cable and internet. This vendor, was, in fact, not XXXX XXXX but a scam artist/hacker. This payment was taken from our account, fake confirmation emails were sent to his gmail account, but payment was not actually made to the our XXXX XXXX account. 

Once we realized this error, our cable and internet services were turned off, and we had to pay fees to have the services turned back on in addition to our late bill. 

We have spent countless hours on the phone with XXXX and our bank trying to get this sorted out - and even asked XXXX to open investigations into our account being hacked - but they refused. During one phone call to XXXX, we were even able to get the hacker back on the phone ( using my phone while my husband was on the phone with XXXX ) XXXX and listened as they lied and hacked into our account again. XXXX still did nothing, and expect us to pay the full amount owed plus late fees that we do not owe. We were receiving emails ( fake ), that our account was up to date. We are now not allowed to pay our XXXX bill with a card or online due to this, and have to pay in cash at a service center. With regards to our bank- we've been through XXXX disputes with them for this issue, and they will not refund the money - the hacker also used my husband 's bank card to try to make several other payment ( XXXX in total ) on XX/XX/XXXX for the amount 's of XXXX, XXXX, and XXXX. They last one ( not sure of the amount ) was flagged by our bank and thankfully the transactions were reversed. His card was canceled and a new one issued. Both the vendor XXXX XXXX  ) and our bank are aware that hackers have been in our accounts multiple times, but will not refund the money from XX/XX/XXXX for XXXX This scam artist/hacker had our account information from XXXX XXXX, and confirmed all of our information. The confirmation emails and text messages looked legitimate, but they were not. 

While we were working this all out with XXXX XXXX, we were actually able to call back a number we had and get a hacker on the phone and they tried to get more money from us and hacked into our XXXX XXXX account again. Still nothing has been done. 

Due to the payment of {$250.00} not going to the correct vendor ( XXXX XXXX ) our cable and internet was shut off on XX/XX/XXXX. We had to pay late fees and the total due bill, which we thought we already paid, to get services restored. The payment of {$250.00}, had in fact been taken by a hacker.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NV)

In XX/XX/2024 I ordered from a local restaurant known as the Boiling Crab. I attempted to submit a dispute with Citi because the food was inedible and I could not reach the restaurant by phone nor email for a refund. I was unable to dispute the transaction using my Citi mobile app due to it being a " food '' charge according to Citi Bank. It took over an hour and several different transfers and being given the run around to finally speak to a representative. The dispute was opened and then was closed about a month later. Citi closed the dispute and sent me a " letter '' explaining it was because they needed additional info from me, I never got that letter. I reopened the dispute AGAIN and faced the same issues, basically identical. Citi then proceeds to send me another letter stating they need more information from me but I never received said letter to my home. They then closed the dispute AGAIN because of lack of information. I spoke to well over 5 representatives and explained my problem very clearly and demonstrated that I was unable to contact the restaurant and they still refuse to refund me for my purchase. I want the charge to be reserved and to receive a full refund, I was unable to eat the food that was provided and I should not have to write a letter explaining the same exact information that I already shared with them SEVERAL TIMES on MULTIPLE OCCASIONS to receive a refund.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

. 
In accordance with the fair credit reporting act XXXX  accounting # XXXX, has violated my right. 

15USC 1681 Section 602 States that I have right to privacy.

15USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15USC 166B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: KEYCORP (PA)

XX/XX/2022 I was alerted by XXXX that " my credit card '' application was under review. I did not apply! My information was released by Key Bank XX/XX/2022. The Bank offered credit monitoring, which I already have in place. When I called them to advise that I didn't apply, but wanted them to correct the 10 dark web locations my details had surfaced. They offered another credit monitoring service. I advised I was looking for payment of services to clean up/ delete and remove my personal information from the web that had been leaked by them. They advised not an option. It's $ XXXX per XXXX website XXXX 

I did call XXXX credit card XXXX, Key Bank and XXXX to advise of the fraudulent use of my information to attempt to open this account.
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

I applied for a Citi XXXX XXXX Credit Card with the promotional terms of XXXX XXXX points after spending {$2000.00}. Citi now refuses to honor the promotion stating that I have had another card opened in the prior 18 months. However, there is no disclaimer on the application or in the fine print that states this exclusion. Simple case of bait and switch. I have a copy of the application with the promotional terms and the disclaimers as proof.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion should not be reporting that I am ( 120 ) days late on the DEPT OF ED/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have  contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-09-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XX/XX/2020 at XXXX my husband and I signed to close our refinancing documents with LAKEVIEW/XXXX XXXX XXXX XXXX  through TITLE 365, a notary public named XXXX XXXX came to our home in XXXX, CA. We were told beforehand by XXXX XXXX, the loan processor who took over from XXXX XXXX who was the mortgage loan originator to prepare a cashiers check in the amount of {$2700.00}, which includes the closing cost and the 1st payment for the XXXX XXXX COUNTY supplemental property tax of {$2500.00} which was due on XX/XX/2020. According to Ms. XXXX our loan will not be approved if this was not paid. By the way, our main purpose for this refinancing was to get our interest down from 4.75 % to 3.125 %. We saved enough that we could have paid for the 1st Installment of the Supplemental Property Tax without getting a loan. Now, today is XX/XX/2020, and this bill the 1st Installment is still delinquent since XX/XX/2020. And now the 2nd Installment is due tomorrow, which we are ready to pay but couldnt because these companies did not do what theyre suppose to do! I have called and emailed numerous times to numerous people in both the lender and the Title company to no avail. I have an email from a Ms. XXXX XXXX, closing manager at XXXX who told me that the Supplemental Property tax is in escrow. We dont understand all these legal mumbo jumbo, what we know that a tax bill remains unpaid which we gave them our own money to make payment for us, as they promised, but did not follow through. I gave them enough time to do resolve this matter but it seems that they dont want to do anything, they just went ahead and ran off with our hard earned money.
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I am filing another complaintsince you failed to resolve this issue regarding my previous complaint. In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. This time to make it easier for you. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have a loan with XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX, and HUNTINGTON NATIONAL. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX and XXXX XXXX XXXX  XXXX, XXXX XXXX   XXXX, and HUNTINGTON NATIONAL with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

I received my card in the mail so I tried to activate it online. It was asking questions I dont recall setting up. I was locked out. Call citi. They said they couldnt text but would call. No one called me so I called back and they said that I couldnt be verified. They asked me for my full checking acct number and then said they couldnt get ahold of XXXX XXXX which is scary that she asked me for my acct number and then claimed to not reach anybody during business hours. Its hard to understand the agents since theyre not from the us XXXX I feel so descriminated against. I was added by XXXX XXXX who speaks highly of city bank. This is the worse. Is it because XXXX XXXX? This is horrible. The agent kept saying she cant hear me. Im XXXX XXXX XXXX. Im trying to handle business as an adult but its hard when Im being treated poorly
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have contacted XXXX and equifax and they have not corrected a collection account that does not belong to me. I dont have money to subscribe to their membership. I already pay for XXXX with XXXX. XXXX opened a fraudulent account and has not been able to prove its legitimacy. XXXX and equifax need to remove this collection account under identity theft rights. These companies do not show a security freeze for identity theft despite my requests.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the DEPT OF ED/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Subject : XXXX for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a complaint against XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 
On XX/XX/2024, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX XXXX and Capital One ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 
Despite my explicit request to opt-out, I have recently discovered that XXXX continues XXXX furnish information related to my account with XXXX Card and Capital One on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 
I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, XXXX has not only violated my consumer rights but has also compromised my privacy and financial security. 
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX ceases the unauthorized reporting of my non-public personal information on my credit report. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I got a fraud alert yesterday XXXX XX/XX/2022 from my bank. It seems as though someone tried to open a credit card account with XXXX XXXX bank using my social security number. 
I am in the process of notifying all XXXX credit agencies ( Experian, XXXX, & XXXX ) to put a freeze on my account so that the XXXX can not be used until further notice.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (GA)

on XX/XX/2020 I placed a call to NCB Management to discuss a notification received by mail. The call was transferred to supervisor, XXXX XXXX. I requested details of the bill. She indicated this item was an online transaction and provided details. I requested proof of documentation be mailed to my address on file. Additionally, I advised I was disputing this debt. She advised if it is fraud then I should have filed a police report. I would like this investigated for Fraud and any proof and applicable documents be mailed to our home address. I have no business relationship with NCB and do not owe NCB any money per any contractual obligations. The charges are fraudulent. 

Please remove this from my credit bureaus and communicate with me via mail only.