davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate information and unknown things on my credit report to this day it has been over 30 days and I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes section 611 ( A ), it is plainly stated that a failure to investigate these issues within 30 days gives a reason to immediately remove those items from my credit report. They should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (LA)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION (AK)

Paid off mortgage in full on XXXX XXXX, 2016, received a deed of reconveyance which was incorrect according to the State of Alaska Recording office. The Recording office sent it back with instructions on how to do it correctly on XXXX XXXX, 2016. I have still not received the corrected deed of reconveyance from the mortgage company and neither has the recording office. It has been almost two months.
Consumer complaint received 2021-02-02
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: CITIBANK, N.A. (MA)

In late XX/XX/2020, I received emails from Citi with the offer of 5 % cash back on up to {$500.00} of online purchases from the day of enrollment through XX/XX/XXXX XXXX XXXX Monday XXXX. I clicked through the link to enroll three of my Citi credit cards in this offer. 

On each of these cards, I made the following online purchases : Card ending in XXXX .. purchases from XXXX XXXX {$300.00} Card ending in XXXX .. purchases from XXXX totaling {$300.00} Card ending in XXXX .. purchases from XXXX totaling {$500.00} These purchases are all labeled as XXXX in my XXXX, making it clear that they are indeed online purchases that should qualify for the offer. All purchases were within the correct time window. However, I received the following cash back bonuses XXXX XXXX : {$2.00} ; XXXX : {$3.00} ; XXXX : {$5.00} XXXX instead of the correct amounts, which would have been {$15.00}, {$15.00}, and {$25.00}, respectively. In early XXXX, after the incorrect statement bonus amounts posted, I spoke with Citi chat. The representative I spoke with confirmed that my purchases within the correct time and that my cards were enrolled in the offer as described. They stated that they would escalate my issue to customer service, who could resolve my issue. However, I received a letter within a week denying my request. 

Following receipt of this first denial letter, I called Citi customer service in late XXXX to clarify the reason my request was denied. The kind representative I spoke with agreed with my confusion and stated that the credit bonus amount should have been as I have described above. She stated that she would escalate the issue and submit a dispute on my behalf for the additional bonuses to be credited. However, at this point, I have now received a second letter from Citi denying my request for a second time. This is false advertising, as Citi is not fulfilling their offer as promised.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MN)

I have an account that is showing up with the company from XXXX XXXX The account was opened in XXXX of XXXX it was charged off but still reporting on my credit For all three Beauras Then XXXX XXXX  the account was opened in XXXX of XXXX {$270.00} and it is still reporting. 

Thank you for your help in this matter. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Hello CFPB officer, I would like to file a complaint on Citibank regarding the {$400.00} New Checking and Saving Account Promotion. I have opened the new checking and saving accounts with Citibank on XX/XX/XXXX based on their {$400.00} bonus offer link that I found online. I have followed the requirements of funding {$15000.00} in the accounts and maintained the requirements for 60 days. I also have reached out for several Citibank representatives either by phone or via the Live chat ; all of them have informed me that I have met the bonus requirements and not sure why I haven't received the bonus. One of the rep went ahead and summited a case for me on XX/XX/XXXX. On XX/XX/XXXX, Citibank sent me a letter saying that I am not eligible for the bonus as I didn't have 01 qualify deposits. To my best knowledge, there wasn't this requirement when I opened the accounts with them back in XX/XX/XXXX. None of the reps that I have talked to informed me about that. They all have informed me that I have met all the requirements. After I received the rejection letter, I have been calling Citibank. No one was able to resolve the case or give me a proper explanations. Each of the reps I have talked to give me different explanations and I have been being transferred. 
Please help me escalate the case and let me know if there is anything I can provide on my end to support this claim. 

Thank you for your time!
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

I purchased furniture and home items from XXXX in 2020 using promotional Synchrony Bank credit card that was XXXX deferred interest. I was advised to pay a specific amount each month to avoid any interest charge and be sure it was paid off before promotion ended. I called Synchrony to adjust the payment since there was a second charge on the credit card and set up auto pay to ensure that there would not be any late payments. I checked my account on-line because I was not receiving statements in the mail and found that the balance seemed to be increasing. I called Synchrony and they advised me that the second purchase for over {$1300.00} was charged more than {$700.00} in interest as it was on an XXXX promotion, not XXXX and had recently ended. I tried to work it out with Synchrony, made several calls but was not getting anywhere, so I contacted XXXX. The XXXX store representative just sent some invoices by email, one that was not accurate and did not offer any other assistance so I called Synchrony again. They were not willing to waive the interest charge because, we were now past the grace period. I informed them that I called several times within the time frame to dispute the unexpected charge. I believe that they mislead me, did not advise me of 2 different promotion due dates. They did not call or notify me that the promotion on the second purchase that was nearing the end of promotion and that I could pay off the balance within that grace period. I did not receive statements in the mail as requested because I rarely use the internet. I would have made larger payments or simply paid it off with no problem. The only reason why I financed the items was because of the XXXX deferred interest. I have paid off goods and services in this way before without any problem with other credit cards using automatic payments. I stopped the auto pay and will go to court if they are not willing to work with me.
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (IA)

this lady, firm i do not know, have no contract with, has sent me papers threatening to sue me. there is no documentation, as per law that they actually represent the lenders, that they say they do. this is criminal extortion, i do not know them, and all of a sudden i get these letters of extortion, from this rauch firm.
Consumer complaint received 2022-10-05
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: MARINER FINANCE, LLC (IL)

I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MA)

XX/XX/XXXX I agreed to pay full amount on or before XX/XX/XXXX XX/XX/XXXX XXXX began updating with bureaus as payment is past due XX/XX/XXXX account paid in full by me XX/XX/XXXX Called company to confirm XX/XX/XXXX Disputed amount on credit report XX/XX/XXXX-current company still continues to update the debt at different amounts to each bureau XXXX to all bureaus
Consumer complaint received 2021-02-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

This a formal complaint that you are reporting false and erroneous credit information which has negatively impacted my credit scores with XXXX. 

1. NAVIENT Account Number : XXXX RE : Letter to XXXX XXXX XXXX XXXX  ; I am exercising my rights ; Pursuant to FCRA Section 609 ( a ) ( 1 ) ( A ) & Fair Debt Collection Practices Act, 15 USC 1692g I have attempted on numerous occasions to work with your NAVIENT to clear this matter and my good name. 

here are the facts : 1. I am a victim of Fraud.

2. I never received any services for the debt you claim I owe. 
3. If I am remiss, you are barred by the statute of limitations to collect on this debt. ( Private student loan dated XX/XX/XXXX. ) 4. The educational institution that you allege that I received services and/or that I owe this debt to was : a. Not a qualified institution of higher learning during XXXX. 
b. Not properly accredited by the XXXX XXXX XXXX XXXX XXXX and XXXX during the time period XXXX. 
c. The institution name : XXXX XXXX XXXX XXXX participated in deceptive and/or fraudulent practieces and false advertisement by holding itself out as a reputable junior college with authority to enter its students into a contractual obligation as a legitimate institution with proper license and accreditations. 
d. The school XXXX XXXX XXXX XXXX was mandated to close its program titled : " Court Reporting '' or commonly known as " Professional Legal Stenographer '' due to lack of accreditation and return any borrowered fund back to the originator on behalf of its student borrower of record as : " PAID IN FULL '' e. Further, the XXXX XXXX XXXX XXXX XXXX breached its duty to perform its obligation to provide accredited educational training in the course of study known as " Court Reporting '' or commonly referred to as Professional Legal Stenographer. 
f. Further, if there was any aleged debt owing ; it was previously listed and discharged in a chapter XXXX bankruptcy proceeding during the period from XX/XX/XXXX - XX/XX/XXXX as XXXX XXXX XXXX. 
g. Further, if there is an aleged debt owing as reported it does not meet the criteria based upon correspondence from XXXX XXXX XXXX XXXX  as a qualified student loan eligible for debt consolidation. 
h. Further, this debt has been deleted from a previous credit report and cleared, however has been re-inserted as a current debt owed by me. 

I would like help from the CFPB to investigate this aleged student loan debt and bring a resolution : Therefore, I request that the company reporting this aleged debt. 

1. Delete this immediately from my XXXX  credit report.

2. Cease and Desist from attempting to collect this debt.

3. Remove my name from their collection list.

4. Send me notification that this debt is cleared and I am not longer allegedly responsible for the above mentioned debt.
Consumer complaint received 2018-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (KY)

XXXX XXXX XXXX is trying to file motions in the XXXX County Circuit Court against me and my co-signer for this loan. They have filed misleading and false documents to put this in the court system.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I applied for the XXXX XXXX Chase rewards XXXX miles card, late XXXX early XX/XX/XXXX and was denied. I had a XXXX credit score. I currently have an ongoing collections dispute with XXXX which is the only negative on my credit report. I received the denial letter dated XX/XX/XXXX which is also the " Date calculated '' of my credit score on the letter. It stated if I have any questions to write to Lending Services at JPMorgan Chase Bank, N.A. XXXX XXXX XXXX XXXX DE XXXX of which I did approximately the first week of XXXX. The letter does NOT state to write back by a certain date. I called Chase XX/XX/XXXX to allow time for a response, as we all know USPS mail has been delayed. I sought an update on my letter but the representative told me that because it's over a month the record has been deleted and she could not help me further and stated I could apply again but of course that could hurt my credit so I declined. This is a blatant disregard, offensive and a vulgar lack or responsibility to the American consumer to not even provide a response to my letter. The reference # on the denial letter is XXXX. I have attached my letter which contains all pertinent information for Chase to reconsider the unfair decision.
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX is reporting high incorrect balance, they are refusing to allow me to close my account, even though I have paid them in full. They are adding more fees and keeping my account open even though I paid them in full. They are breaking the law and affecting my credit report and reporting false information to keep my account open. I do not owe them money period. I paid these accounts off in good standing.
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NV)

I have a complaint about the company coinbase. They are an online platform for purchase of different crypto currencies. I signed up with them on or about XX/XX/21. 
Long and short of it is that they proved useless for my purposes of investing. Have been simply trying to get my XXXX deposit back and have not been able to do despite repeated efforts to do so. 
Now my account with them is locked and they have my money. I want nothing to do with them any further and just want my money back.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (FL)

1. I refinanced my XXXX mortgage with Guaranteed Rate. Closing date was XX/XX/XXXX. 
2. Two payment vouchers for the XX/XX/XXXX and XX/XX/XXXX payments were provided at closing. 
3. I mailed the XX/XX/XXXX payment on XX/XX/XXXX with XXXX check XXXX for {$3000.00}. The memo field on this check noted : 'XXXX  XXXX payment '. 
4. With the same mail I sent XXXX check XXXX for {$3000.00} for the principle only. The memo field on this check noted : 'principle only '. 
5. During this time, without my knowledge, Guaranteed Rate sold this mortgage to XXXX ( now XXXX  ). 
6. I learned thru the information that XXXX ( XXXX ) provided to me after the sale that the incorrect balance was transfered to XXXX ( XXXX ) because the {$3000.00} from check XXXX were not applied to the principle but handled as a regular mortgage payment. 
7. I called and spoke to the call center staff at Guaranteed rate on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was assured that the mistake will be corrected and communications with XXXX ( now XXXX ) will take place in order to apply the principle only payment retroactively to XX/XX/XXXX ( the day Guaranteed Rate processed the check ). 
8. Guaranteed Rate : tel : XXXX XXXX. XXXX ( now XXXX ) : tel : XXXX.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have asked Equifax several times to provide information on two separate accounts. Account # XXXX ... ... and Account # XXXX ... ... I asked that they supply information on how these accounts have been verified and have not gotten any responses from them. I also asked them to change my date of birth because it is also being reported wrong.
Consumer complaint received 2021-02-02
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: CORELOGIC INC (FL)

XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : Credco XXXX/XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) XXXX XXXX/XXXX XXXX  ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and XXXX XXXX pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
Consumer complaint received 2016-03-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (TX)

I was contacted by AR Resources about a medical bill that I did not know existed. When I contacted the medical organization ( XXXX XXXX XXXX ), I realized that the invoice was wrong and I submitted a dispute. While the dispute was active my invoice was put on hold so the correct amount could be determined. 

About a month later I got another call from AR Resources saying that I owed the money. I told them that I had disputed the charges and the invoice/account was supposed to be on hold. 

He told me that the medical organization had contacted him 2 days earlier ( XXXX XXXX by email ) and told him that my dispute had been denied and that I owed the full amount. I was so confused as to why I had n't heard directly from the medical organization and I asked him why XXXX XXXX XXXX had n't let me know and why was I only hearing about the dispute being denied from him. 

He told me that XXXX XXXX XXXX would n't call me about the dispute because AR Resources was the point of contact on the issue. He told me they were going to put it on my credit in a couple of days if I did n't pay him. I could n't risk my credit getting damaged by this, so I paid him. 

I then called XXXX XXXX XXXX to ask them why they did n't contact me to tell me they had denied my dispute. They told me that my account was still on hold, nothing had been determined yet, and they had never contacted AR Resources saying the dispute was denied. They said they are n't allowed to talk to anyone about the rulings of my dispute except for me. They said they had it on record that they had contacted AR Resources to let them know the invoice/account was on hold and not currently due. 

AR Resources lied to me about how much was owed because at that point nothing was owed, my account was on hold until the invoice could be corrected. He lied to me about the dispute being denied. He lied to me about him being the only point of contact on the issue. And now I 've paid money on something that I have no idea the actual amount that 's due on it.
Consumer complaint received 2020-07-23
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: EQUIFAX, INC. (NC)

I paid a loan off in full and they are still reporting it as a charge off. They refuse to remove the charge off even though they acknowledge we paid them in full. They claim it was a sequence of events and too bad. In the meantime they are reporting incorrectly to the credit bureaus and I can not get a mortgage until it is removed.