BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-31
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of this year, I filed a complaint with XXXX  regarding a fraudulent charge on my Chase XXXX card. As a brief aside, the charge originated in XXXX of this year. I disputed this charge with Chase in XXXX and they rejected the dispute in XXXX. I appealed their decision as I had a receipt. Another month elapsed without meaningful progress or a coherent explanation for the rejection, so I filed a complaint with XXXX. Days later Chase accepts my appeal and permanently credit my account for the difference between the receipt and the charged amount. Before I can retract the complaint with XXXX, I find out Chase has closed the XXXX account and XXXX has removed the account entirely from my credit report. Chase argued this was my fault because I indicated the credit line itself was fraudulent. As you can see from my documentation, this is not correct. I have spent the summer speaking with the Chase employees below trying to reopen the account and restore the lost chase ultimate rewards points. I'm here because I think they are truly powerless to make this right but have resisted pushing this issue to someone who can fix. At one point, I gave up on this and simply tried to reapply for the card. The system wouldn't accept my application because it is still showing up on my account. The following is a list of people at Chase who I've spoken to this summer. 

XXXX XXXX ext XXXX XXXX XXXX ext XXXX XXXX XXXX ext XXXX XXXX XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CAVALRY INVESTMENTS, LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
mailed and requested verification of debt on XX/XX/XXXX, recieved letter back sent bill of statement with no signature or name for account. sent 2 letter XX/XX/XXXX, recieved letter back sent bill of statement with no signature or name for account. sent 3 letter XX/XX/XXXX, recieved letter stating was reported disputed with all comsumer agencies and based on their investigation of dispute regarded account accurate and did not include additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Experian Information Solutions Inc.
State: TN
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:
Checking my credit report I see Experian has lowered my credit score.  The last time I checked my score it was XXXX now it's dropped to XXXX. I pay my bills and I just wonder why this is happening. Experian is a XXXX  company and this can be proven 100 % In the report it says exceptional next to payments so why would my credit score drop so much? They just want to keep the XXXX Americans to have anything in this world. They want you pay them them {$14.00} to upgrade your account so I guess if you don't they lower your credit score, enabling you to not to able to live!!!!!!!!!!!!!!! Very XXXX company they are

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 2018-06-19
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, a phone call from the number XXXX XXXX XXXX, a woman says she is form CITIBANK, without the verification of the identification of the phone-caller, she asked me about my mother 's work. I replied her that My mother works for the government in XXXX and I could not tell you the detail now, I need to ask my mom, and we met an agreement that she can give me a phone call later in the next day. They didn't call me later at all and list my mom as dangerous person, then they locked my account ( debit and credit ) without informing me, which is unreasonable. I am angry! The CITIBANK CHECKING ACCOUNT is the only one I have in US and I am on my road trip, I couldn't even fuel my car.

Yesterday I have already replied them and they tell me there should be another 4 business days to process it. I have more than 17 thousands dollar in my account and I could not do anything including pay for my CITIBANK CREDIT CARD, AND THEY WILL CHARGING ME IF I DIDN'T PAY IN TIME. 

There should be not rights for them to ask my privacy such as my mom 's work. It's very nice to agree CITIBANK to give them my mother 's working information.They not only collect my information illegally but locked my account illegally. 

If The CITIBANK just want to collect my information, why don't they give me a phone call first and then give me an email or a URL to fill-out a form at the beginning? That would be clear if you really want my information in detail.

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 2018-08-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I wanted to pay off my mortgage by XX/XX/18. Some of the payoff funds came from various XXXX XXXX Bill Pay payments. 

On XX/XX/18 I called PennyMac to find out what my payoff amount would be and I was given the amount and told I would need to send the final payment as a wire transfer. I made the wire transfer and assumed everything was fine. 

Unfortunately one of the XXXX XXXX Bill payments arrived on XX/XX/18 and they wouldn't take responsibility for any extra interest or MIP payments this caused. Although this seems to be in conflict with XXXX XXXXXXXX XXXX  Bill Pay Guarantee, I am not filing a complaint about it. 

My problem is that PennyMac says that my loan wasn't satisfied until XX/XX/18, an additional 8 days later, and sent me an escrow account overages check that is considerably less than it should be. When I asked for an accounting of my funds they said I needed to refer to their website loan account information. However, for the past month there has been so much confusion and misappropriation of my payments on their website that I do not trust their accounting. I imagine they expect me to just take them at their word that my refund is correct. I don't! 

I want a concise accounting of when they received my funds, what my funds were applied to and why they say my loan wasn't satisfied for an additional 8 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase Bank decided to close my XXXX XXXX card and XXXX  card on XX/XX/XXXX of XXXX. I did not receive any warning or consultation for this closure. I have made regular payments to the cards and was never delinquent. I called their customer service number and would not tell me why the account was closed. I was told to wait for a letter. A few weeks later I received the letter. The letter had a phone number for any questions. I called it and got the same blanket statements that I received from customer service initially. They proceeded to tell me that I could write or fax a concern and the executive office would respond. That simply hasn't happened. 

In early XXXX of XXXX, I applied for the XXXX card that Chase offered. I was approved and receive my card. However, a week or two later I received a letter stating that the card account was closed by Chase. I called the number on the letter and was not offered answers or even explanations. I was advised again to write a letter or send a fax. These actions by Chase have caused me to suffer harm to my credit and put into question my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/2018 I spoke to a representative at GM financial and was told on their recorded line that I would be able to give the vehicle back and get it back after a month or two and continue the payments since I was going through a difficult time financially. When I called back asking about the letter I received after the car was returned stating the vehicle would be auctioned off I was informed that I was lied to by the previous representative and that unless I had the past due balance plus the repossession fee or the total loan amount I wouldn't be able to get my car back. Now I am stuck with a repossession on my credit. I submitted a complaint to the company about the situation but was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax needs to be shut down. They are unethical. There are too many dates ( 100+phone calls/letters ) to list on here and they have already inconvenienced me enough and I have very bad XXXX conditions. They can give you a log. Bottom line ... .This is not my account! I provided proof ten times. They keep playing games! I want XXXX XXXX off of my Equifax credit report ASAP! Next step ... I'm calling every media outlet. I am tired of these people getting away with ruining people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX year of 2021 i received notice that a change to my credit score has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a 70 pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the fact that it just increased 98 points back in XXXX. XXXX XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my credit score because of the investigations I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low decreasing my score that much which is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing? I want answers and i want my score returned to a good state immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an account established with his information without his consent. An inquiry was also conducted into his credit XXXX credit report to help establish this account XX/XX/2018. A formal dispute of this was sent to SYNC/XXXX XX/XX/2018 certified mail with return receipt and as of this date SYNC/XXXX has failed to send a reply or an update as to the status of the investigation.

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 2020-06-30
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX accessed my credit file with XXXX, EXPERIAN, AND XXXX without my permission. This are a fraudulent inquiries, which I did not authorize On XX/XX/XXXX XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report. 

As up to date, XXXX shows the 3 inquiries, and the XXXX   and Experian still show the XX/XX/XXXX. 

Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. XXXX is neglecting to remove anything, and the other two remove partially. Should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1.  ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported  immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and Experian did, and this in addition to several other inquiries started after the XXXX   data breach publicly known.

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 2019-08-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a used from you XXXX XXXX XXXX. In less than 3 weeks, we had to return the car twice. I contacted the you as well as XXXX. You didn't want to help us with the car, so we surrendered the car because the car was no good. YOU the dealership didn't give us a buyers guide and the car was in an accident. Lots of info was omitted.. If we would have known this, we wouldn't have purchased the car. We disclosed this with the bank and the car was sold at the a auction. I didnt even have the car for a month when it was returned.. plus .. we didnt even know the timeframe for it to be returned. This account is already settled needs to be delete. I got my down payment back. Fix my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Professional Finance Company, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
( from XX/XX/XXXX to today ) XXXX XXXX XXXX did not have all of my invoice covered by insurance. Apparently, they tried to bill me but kept sending the bill to the incorrect address even though they had my mailing address on file. They did not email nor call me to inform me that an amount was outstanding rather they turned it over to a collection agent Professional Finance Company. They have my phone number and email, they just chose not to use it or the correct address. I have applied for a mortgage and this small charge of {$150.00} has reduced my credit score from the 800s to the 600 's which will end up costing me tens of thousands in additional interest. 
The actions were negligent, irresponsible and uncaring and I have to pay the price. As soon as I learned of the bill I paid it immediately ( today XX/XX/XXXX ) but they should be responsible for the unfair and bad trade practice and to pay for the additional funds that I will have to pay on my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: ACIMA CREDIT, LLC
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I'm not sure if employment history plays a role on my credit score but it says that I'm unemployed but I have been with the same company for 4 years. Is there a way to fix that to represent my employment history? Before that I was employed with another company for quite some time and it doesnt show that i have any employment history at all

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 2019-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My account is being closed with {$5300.00} in my checking because of recently opened account and making too many transactions so there closing it and i have not even a dollar on me. I have to pay my rent and have no money i also have a sick grandmother i take care of and pay A private nurse to take care of her and nothing. This is really a robbery being commited. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
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: Their investigation did not fix an error on your report

Complaint:
I recently disputed ( see attached letter ) with XXXX XXXX XXXX an account entry that they placed on my credit report without providing a dunning letter or any correspondence that would have allowed me 30 days to dispute the validity of the alleged debt. To date, I have not received any communication from them. They are blatantly violating my rights by reporting this inaccurate, erroneous, unverifiable entry. 

Additionally, this account entry does not reflect a payment history which should be included on any entry that is reflected on my credit report. In my previous communication to them, I specifically requested that they provide an agreement that states their authority to collect on the alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date, and to date to no avail. 

As such, since they have refused to respond to my request and not provide any documentation to substantiate their allegations, coupled with the fact that they did not provide me a dunning letter is grounds for this erroneous, inaccurate, unverifiable entry to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dear Sir or Madam : I am writing because I need help to dispute a debit in the amount of {$4900.00} on my chase account. The debit was a fraudulent charge during my vacation at XXXX XXXX on XX/XX/XXXX at XXXX XXXX. While I went snorkeling into the ocean, criminals took advantage of my absence to go trough my belongings and using an electronic gadget scanned all my credit cards to later charge as much they could. 

facts : 1. I was not in possession of the debit card when the criminals charged the {$4900.00} on my account. 
2. I have lived in XXXX XXXX, XXXX since XXXX. Prior to that I lived in XXXX  as a member of the XXXX. 
This trip to XXXX XXXX is my first and I have NEVER been to XXXX. 
3. I have never done any transaction with the merchant by the name of : XXXX XXXX XXXX I have asked for a re-investigation of this transaction and I quickly received denials without any basis. 
It is very difficult to believe that a good investigation if any has been conducted on this case. On Chase letter dated XX/XX/XXXX, Chase investigators state that there are undisputed transactions with the same merchant location/Merchant ID for the past 12 Months that matches my spending pattern. I asked to share those details but they CAN NOT reproduce any. I believe there is a mechanism in place that automatically reponds without any investigation. 

The bank security system failed to generate any alarm e-mail or voice mail to ensure the safety and security of my money. Chase bank simply paid a large amount of cash to criminals from a third world country without absolutely any hesitation. 

I have pictures that places me snorkeling during the time of transaction, again no response. 
My wife, and two friends had also their credit cards stolen and charged by the same crimials. 
XXXX, XXXX XXXX XXXX XXXX and XXXX have conducted their investigations and found XXXX XXXX XXXX to be not only a fraudulent merchant but also a nonexistent merchant. Chase bank refuses to investigate. 

I am requesting that {$4900.00} related to the fraudulent transaction be credited to my chase account because Chase bank failed to detect and alert a fraud transaction.

Company response to consumer: Closed with monetary relief