BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i m paying my accounts full every month and i submitted dispute with citi about a fraudelent so called hvac person who came and charged me and did nothing at all and had no clue what he is doing and had no clue to even diagnose.. 

citi not only rejected my disputed, but started threatening me to send my account to agencies though the amount was already in full paid by myself THIS IS UNACCEPTABLE TO SEND SUCH LETTER WHEN I ALREADY PAID MY ACCIUNT AND THE AMOUNT ITS ABSOLUTELY OUTRAGEOUS i have credit score of XXXX and never ever had a late payment and i have been abused by citi by letter threatened i m having my account send to agency, while the amount was fully paid and i have automatic payments full balance each month whatever i write here can be verified

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 2023-09-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
JPMorgan Chase Bank , N.A . requested ( Hard ) inquiry without authorization : New credit inquiry It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 
INFORMATION FOUND Lender : JPMCB CARD SERVIES Inquiry date : XX/XX/2023 This is pattern this company use to continually ( increase and reduce ) credit score of the past ( 12 ) months. Seem to be a credit card issuer " Redlining '' for credit card holder with high credit balances. However pay all credit card on time without delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, Someone who forged my identity ( had a fake ID ) visited a chase branch to withdraw money from my account and was turn away because the banker noticed the difference in signature. The banker who turned down the thief left a comment on my account to be cautious. The thief continued to purse another chase branch and took {$3000.00} out of my chase checking account. He/She wrote a withdrawal slip with a forged signature, not only was the signature very different from my original signature, my name was actually spelled incorrectly. The second banker did not noticed and authorized the transaction. 

I filed a claim immediately and was able to get reimburse for the money stolen but by this incident, it demonstrate that in some of branches, chase did not properly train its bankers to handle cash withdrawal through the proper protocols to verify one 's identity prior to authorizing withdrawals. I'm quite disappoint at how incompetent the banker in Chase branch is and how can we trust the bank to manage our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The card can not be used online anywhere and I need a replacement card for in store purchase and the company told me it would be XXXX XXXX XXXX  before a replacement can be sent. Today is XXXX They have {$170.00} of my money that I cant access. This is what the customer service rep told me when I called today. XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Equifax claims that they verified this Bankruptcy with XXXX XXXX however I attached the letter that I received from XXXX XXXX showing that theyve removed this unverifiable information from my credit repair. Since this removal, Ive mailed Equifax a copy for their records and they continue to report this inaccurate information on my credit report. This lets me know that they did not do a proper investigation because they have not removed this Bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX, a payment to a CapitalOne Credit Card was submitted late. At the time of that my APR was 23.24 % and the card balance was {$15000.00}. Since then, CapitalOne - without any notice - increased my APR to 31.65 % and applied this new APR to the entire balance that was there prior to the increase. That is a direct violation of the Credit Card Act of 2009, as creditors CAN NOT increase APR without first providing written notice of it, and this new APR can only be applicable to any new purchases since the date of the increase. Lastly, an account must be delinquent for over 60 days for a creditor to be able to increase APR on said account. I have tried to resolve this issue directly with the creditor since, however to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: U.S. BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I am a business owner who recently received a personal check from one of my customers. On Tuesday XX/XX/XXXX I called one of the US Bank branches to inquire about cashing a personal check that was written out to me. I rarely take personal checks as form of payment, so I wanted to make sure that the funds were available. I was told by one of the US Bank representatives over the phone that all I needed to cash the check was a government issued I.D . and it would be a {$7.00} service charge. So on Wednesday XX/XX/XXXX I visited the US Bank, XXXX XXXX XXXX XXXX XXXX XXXX. I was being assisted by XXXX XXXX, whom immediately had poor attitude towards me. I only came in the branch to utilize the check cashing service since the check that was given to me was from this bank. The teller was unprofessional and lacked customer service skills. She was adamant on taking my social security number to cash the check. I pleaded with her as to why she needed my social security number and all she could tell me was that this was needed to proceed with the transaction. She was very short with me and could not give me any logical explanation as to why I needed to provide her with my social security number. Please I am very cautious with providing certain information to any business or persons, can someone please look into this very serious matter.

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 2023-09-25
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Creditor account number XXXX. Letter from afni ( account number is XXXX ) with a balance due of {$80.00}. It is dated XX/XX/23. It claims I owe money on a XXXX account. It has been over 4 year, if any, that my cell phone was with XXXX and much longer than that that I have had a cell phone at this address. 

This is nothing I owe. There is no other identifying language. There is an offer to discount the amount to {$40.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: NC
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:
The information reporting does not belong to me. It needs to be deleted immediately. 

XXXX XXXX in the amount of {$520.00} from XX/XX/2011 XXXX XXXX Acct # XXXXXXXX  These accounts do not belong to me. I have reported this as fraud many times. If it is not removed from my account I will be filing suit.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-05-02
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX  and Experian are reporting an incorrect coding of the XXXX   XXXX  XXXX partial account number XXXX. This account is being coded incorrectly. This account needs to be coded as an XXXX. ( Please see pages 18,  19 and 21 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-09-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card issued by Citibank, i.e. Citi Simplicity. 

Citibank offered a Promotional rate of XXXX XXXX XXXX expiring XX/XX/XXXXXXXX  In XX/XX/XXXX, I took advantage of this offer and charged transactions totaling {$5000.00} A balance transfer offer was extended. 
Citibank offered a Balance Transfer offer of XXXX XXXX XXXX expiring XX/XX/XXXX On XX/XX/XXXXXXXX  I took advantage of this offer and made a Balance Transfer of {$5200.00} + 5 % one time fees of {$260.00} My intention was to pay off the Promotional transactions in their entirety before the expiration date ( XX/XX/XXXXXXXX  ), so that would leave ONLY the balance transfer to be paid off by XX/XX/XXXX. 

I made a {$2500.00} payment on XX/XX/XXXX, intending to make a subsequent payment by XX/XX/XXXXXXXX  to bring that balance down to XXXX. 

I contacted Citibank after making this payment, and was told that my payments would go FIRST to the LOWER RATE ( XXXX  % ) balance, and once that balance was paid, then payments will go to the next higher ( XXXX  % ) rate. 

I feel that Citibank should NOT be offering promotional rates/balance transfers where there is an UNFAVORABLE application of the payments made by the cardholders. 

Citibank offered me a balance transfer that clearly I intended to pay by XX/XX/XXXXXXXX  If Citibank had been transparent and explained this in BOLD LETTERS and not in footnotes, I would have had RELEVANT information that would have helped me make INFORMED decisions. Hard to believe that the Federal Government lets them get way with this. 

Thank you. 

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 2019-07-11
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: Information belongs to someone else

Complaint:
Re : Request to describe method of verification To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$4000.00}, {$7600.00}, {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 






-COLLECTIONS- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.

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 2019-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX In XX/XX/2017 I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX XXXX offered an assistance program to place my account in forbearance between XX/XX/2017 - XX/XX/2017 during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred I disputed amount owed because it contained late fees and accused interest for forbearance period. I have disputed this reporting with XXXX XXXX, XXXX, XXXX, and Equinox to no avail. This time period should not report as late, past due, or negatively impact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, between the hours of XXXX and XXXX, my vehicle was broken into and my work bag was stolen. XXXXnside was my wallet containing all of my personal identification including my social security card, drivers license, bank debit card and other personal cards/documents. On finding the break in we immediately cancelled the debit card and reported it stolen and filed a police report. Despite this, the following day while we were in the middle of fixing our broken window ( we do have documentation to prove this ), at XXXX at a branch in XXXX XXXX TN, my drivers license and debit card were used to access our Regions Bank account and {$650.00} was taken by someone using my identity. We found this out when the transaction popped into the account the following day and we couldn't pay our rent or cell phone bill. The same day my husband reported the illegal transaction to the bank via the customer service help line and followed up with the local branch manager the following day. 

According to bank policy stated on their terms and conditions, they have 10 days to investigate before they need to put the " temporary '' funds into the account while they finish the investigation. Despite numerous attempts on my part, my husband 's part, the local branch manager 's part, and even the detective and security personnel involved questioning this, no further information has been provided by the bank nor have they returned the funds, even temporarily. The detective assigned to the case was able to get still photographs of the transaction through the drive through at the bank and it clearly shows a vehicle not belonging to us, registered to a woman in XXXX, TN, driven by what appears to be an older male gentleman who used my stolen identity to access my account. Nobody involved can figure out why the bank is refusing to give us answers and give us our money back. We are on business day 15 since the theft without resolution and this is causing a severe financial hardship for my husband and I. 

I am attaching the preliminary police report below and the fraud claim number from the bank 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 monetary relief
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Five months ago we had a security issue and were advised by our bank to get free fraud monitoring through a credit agency. We signed up with Experian. First my husband ( who is in XXXX health ) and then I started getting e mails telling us that our credit rating was going up or down, and they billed us for the " service ''. {$21.00} a month. 

We do not want this and did not sign up for it. But I can not stop mine. I stopped my husband 's, because he had already given out his social security number to an XXXX hacker so was compromised ( the original issue ), but can not stop mine. 

When I call Experian, they start out by asking me to put in my social security number. I do not do this : I do not know if their telephone service is secure. But there is no way to reach them without the social security number. So I can not stop it. 

So this company ( a public, profit making corporation ) has forced services on us that we do not want, and made it impossible to stop them unless I give out my social security number. Please, what can I do?

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 2023-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have called the SPS service center several times in the past few weeks and as of XX/XX/XXXX the XXXX XXXX XXXX is still showing that the taxes have not been paid ( at the time of this writing XX/XX/25 I have paid the taxes out of my own account plus the penalty ). Per my conversation with the last agent, they advised me to send this letter via fax and email ( which I have done ). Since SPS is escrowing my taxes and responsible for paying my taxes on time, it is SPS responsibility to pay the interest due for being late. Taxes are due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached the letter showing that the taxes are late, a copy of the tax statement from XXXX XXXX and a screen shot showing the interest for the delinquent taxes as of XX/XX/XXXX. I have also requested a release from my escrow account since SPS is not servicing my account as needed. I own several properties and others in the past and have never had any of my mortgage companies pay taxes or insurance late. I want a response within ( 5 ) business days or I will send this to my attorney ( they have yet to respond ). My contact information is listed below. I have emailed, faxed and uploaded this letter to my documents to SPS website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation