BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In mid XXXX, through the XXXX XXXX app, I received a preapproved promotional 0 % for 18 months balance transfer offer from citi double cash. During the online application process the application closed before I got to the transfer page, but I got an email approving my application. The card arrived last week. I called yesterday and again today to transfer the balance of my higher interest chase slate card. Yesterday, I waited on hold for 20 minutes. Today, the operator told me that I was ineligible for the balance transfer promotional. I asked to speak to a supervisor and waited on hold for 15 minutes with no answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: PACIFIC PREMIER BANCORP, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am disputing incorrect information on my XXXX and XXXX  credit report. The reports show a charge off on my mortgage account as of XX/XX/XXXX. The previous mortgage company XXXX XXXX XXXX  XXXX was bought by Pacific Premier Bank around XX/XX/XXXX. At that time, I was not made aware of the sale and believed that my loan had simply been transferred to another lender. I have continued to make my payments beginning XX/XX/XXXX to XXXX XXXX up to the present time. For eight months XXXX XXXX XXXX to XX/XX/XXXX XXXX my credit reports shows " OK '' then on XX/XX/XXXX begins to show " Charge Off '' up to the present time. I have never received any letters or documents that state my account is in default or in a negative status. I am still in possession and the owner of the property that is the collateral for the mortgage. I submitted a dispute through both of the credit bureaus listed. The lender has responded that the account is correct as it is reported. The lender has also reported that the account is closed. It is not closed. I have contacted Pacific Premier Bank directly to try to resolve this. They have told me the account information is correct. The only explanation I get is that they bought the previous mortgage holder and inherited their accounts. I was told I would just have to wait another six years for this problem to be removed from my credit. The person I spoke to, XXXX XXXX, would not transfer me to a supervisor or manager. 
I do not believe my credit should have this negative status for something I have no control over. it should be clear that there is an error somewhere in the lender 's system, however no one is willing to do the work to find it or fix it. I respectfully ask that this matter be looked into further and the correction be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a Room 2 Go credit card issued by Synchrony Bank in XX/XX/XXXX  for $ XXXX. I used it to purchase furniture. I was told that for 5 years my payment would be the same with no interest. I was making the payment and they would choose to lower my limit periodically. In doing so it appears that the card is constantly maxed out and that impacted my credit score. I ask and they stated that it was their choice due to so. However, they have recently closed the account with no explanation. I am no longer able to view and pay the bill on the app as I always have. I am being contacted stating that I need to pay the bill and I am not able to. I tried go online and paying the bill and it gives an error message and tell me to contact them at a XXXX number. I call the number and it is automated. My balance is confirmed, and I am told that I can not make a payment over the phone and to go online. I am fearful that I will have a late fee and payment due to no fault of my own. They have made it difficult to pay the bill and is negativity affecting my credit score. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
NOW AGAIN I AM BEING SENT THESE LOSS MITIGATION DOCUMENTS. I DID A LOST MITIGATION BACK IN XXXX AND IN XXXX WAS GRANTED ASSISTANCE WITH THE INFORMATION ADDED TO THE APPLICATION AT THAT TIME. AND WAS SENT A MODIFICATION FOR 30 YEARS TO BE ADDED, WITH ADDITIONAL LOANS ADDED. WHEN I REJECTED THAT MODIFICATION WAS SENT ANOTHER LOST MITIGATION PACKAGE WITH THE SAME INFORMATION ADDED TO THE APPLICATION I HAD ON THE XXXX DOCUMENTS, SENT IT OUT TO THEM AND I WAS TOLD THAT I NEEDED THIS AND THAT. MY FORBEARANCE STARTED IN XXXX TO XXXX. I STARTED BACK MAKING MY PAYMENTS IN XXXX.I DID 2 LOST MITIGATION APPLICATIONS SINCE XXXX AND WAS NOT GRANTED THE HELP I NEEDED. INSTEAD OF FINDING A SIMPLE WAY TO SOLVE THIS THEY WANT ME TO DO A MODIFICATION OF {$26000.00} FOR THEY CAN PROFIT DOWN THE YEARS.

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 2018-02-20
Company: Nelnet, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Keep reported closed refinanced accounts as negative accounts they are outdated and should no longer be reported as per the fair crediting act. I have contacted them several times and they tell me they will look into it and do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: OR
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EAST WEST BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi, I wire transferred {$15000.00} from my online bank of Eastwest bank to my XXXX account on XXXX  XXXX. The Eastwest bank 's online bank showed this amount should be available in my XXXX account on XX/XX/XXXX. However, today I found this {$15000.00} has been withdrawn from my Eastwest account on XX/XX/XXXX! I checked my XXXX account, but this amount has not been deposited nor was it " in processing ''! I am confused where my money is starting XX/XX/XXXX, I also wonder why Eastwest Bank withdrew my money but did not send it to my XXXX account. I don't know what happened when Eastwest Bank withdrew the money from my account. I think this might be a fraud, but I can't know for certain. 
In addition, I want to complaint that Eastwest Bank would only allow me one wire transfer up to {$15000.00} per month. As you know, during this COVID-19 situation, we have to stay at home, we should do as many bank operations as possible through online banking. This policy of Eastwest bank bring us so many inconvenience, we have to go out to a bank office to do the additional transfers. 

Thank you for your time and attention Best Regards 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 2018-10-02
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi Team, National recovery collection agency they did not send any notice to me and opened a {$65.00} amount account on XX/XX/2018 on my credit report.

I called them about the account then they send back notice to contact them in 30 days.i called again and asked more details on this account but they give an email ID for any further communication. I sent out 3-4 Email after that but they never responded. 
Again I called them but they said will update in some days .after more than a month I have not received any account information back from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: DE
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:
on XX/XX/20 I sent a letter to Equifax and XXXX  regarding failure to respond deletion regarding account XXXX XXXX   and as of today neither company has responded nor provided proof of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Ocean Lending Home Loans
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
For 12 years, Bank XXXX did not let me refinance with another banks because bank XXXX marked my credit report 2 times in XXXX and XXXX with incorrect information and complicated my life moral and financial. 
First they made a mistake with my whife name XXXX XXXX XXXX XXXX XXXX, the bank included her name on the title and the mortgage was only in my name XXXX XXXX XXXX XXXX. We bought the house in XX/XX/XXXX and we lost the house in XX/XX/XXXX the Lawyer XXXX XXXX XXXX said for us leave the house, then we back to the house in XX/XX/XXXX because the bank XXXX didn't take the house back, we don't know why because we don't know how the law with Mortgage works here in XXXX and I did a modification just in my name The program XXXX save our home in that time.I would like to know if I can have a compensantion for the damages caused unfairly on my credit report because I finished my bankruptcy in XX/XX/XXXX and I aware I have to wait 10 years to do any refinance with another bank but the XXXX first marked on my credit report that I did bankruptcy in XXXX then he reported in XX/XX/XXXX marked me again said I had banckrupcity and chapter XXXX in that date that is incorrect and this is unfair because in those 10 years I have been always paid my mortgage on a due date just now I'm in the Forbence Plan, I have to start pay the house in XX/XX/XXXX. I have all papers from the Bank and from the Court showing to prove that I'm saying the truth. Bank XXXX and Bank XXXX worked together against us. The title is on the name of the bank XXXX and I can not make full payment before XXXX, and I can't sell the house either I'm sending all documents about the house and courts by mail. The bank XXXX stopped reporting to my credit report my payment since XX/XX/XXXX and I have all documents showing the payments until today. I don't have the Title and deed of the house. 
I tried to refinance the house with another Bank last month and I found that I can't make nothing because of the derogaty, bankruptcy and chapter XXXX marks was reported on my credit report and another bank told me the title is in the name of XXXX Bank. I will send by mail all the documents tomorrow XX/XX/XXXX. I sent here just small file the rest I will send by mail because they are big file. Could you please help me! 
Thank you so much!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. 

ALSO THEY ARENT EVEN IN COMPLIANCE WITH METRO 2 CREDIT  REPORTING. 

I have evidence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: JPMORGAN CHASE & CO.
State: MA
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:
I got approved for and received the Amazon reward visa signature card which is through chase bank. A family member who lives in another state received a letter on XX/XX/XXXX that I needed to fill out an attached social security form ( SSA-89 ) and a w-9 and then send these back or they would close my credit card. I couldn't fill these out because I live in Massachusetts and my family member lives in California. I then called chase bank asking if they could email the forms to me and they refused. I asked if they could mail the forms to my actual address and they refused also. They also refused to change my address to my actual address initially. This was especially confusing because they sent my credit card itself to the correct location, and I think they got the other incorrect address from Amazon or something. I later asked what if anything I could do to keep my credit card open and they said I needed to visit a local chase branch and fill out the paper work there. I talked to my local chase branch at XXXX XXXX XXXX, XXXX, MA XXXX and they told me there was nothing I could do because I didn't have my social security card on me. I don't have my social security card on me in general because I'm a student and it is at my home state and I would need to get a new one which would take more time than I had. I spoke to chase on the phone again for hours and they told me that there was nothing I could do and that I could not have an extension for time and that my credit card was being closed. They told me to reapply which I did and was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: IA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We purchased a vacation on our Chase Freedom credit card and a few months later my trip was cancelled because of the travel ban from coronavirus pandemic. We immediately tried to dispute this with Chase but they refuse to refund us our {$2300.00} back, even though services were not rendered by XXXX.XXXX. Below is a timeline of our booking with XXXX and correspondence with Chase about our dispute. 

On XX/XX/XXXX, the original purchase was made from XXXX in the amount of {$2300.00} for a trip to XXXX, XXXX that was going to take place XX/XX/XXXX through XX/XX/XXXX. 
On XX/XX/XXXX, XXXX emailed me saying that they have cancelled our upcoming international trip due to the Do Not Travel alert issued by the US State Department due to the Coronavirus threat. We immediately tried to contact XXXX through website and by phone, but they shut down their website with a cancellation notice and are not answering calls. We have had no contact with any actual representative from XXXX, because this company had completely shut down. 
On XX/XX/XXXX, we did an online dispute with Chase for this XXXX purchase. We first looked into XXXX XXXX and XXXX XXXX, and they both said with any cancellations through travel agencies, the credit would go back to that agency that was used. Because XXXX  was shut down, we filed a dispute with our Chase credit card, as instructed by the XXXX email. 
On XX/XX/XXXX, I inquired again in an online message about this dispute and if it is being handled. 
On XX/XX/XXXX, I called and talked with a dispute representative, and answered all questions that were sent out in a letter on XX/XX/XXXX. After taking down all of the information from the questions she asked, she told us that she would take that information and do research about the charge being disputed. She told us we would be receiving a letter informing us if the disputed charge was ruled valid or not. 
On XX/XX/XXXX, a letter was sent saying the disputed charge is a valid charge. 
On XX/XX/XXXX, I called the number provided by Chase ( XXXX ) on the dispute letter we had received asking about why this dispute was rejected. She told us she couldnt research the dispute because the claim had already been closed. She said the only thing we could do was write a letter and put any correspondence from XXXX with it. 
On XX/XX/XXXX, we mailed Chase a detailed letter with the timeline above asking for the dispute to be reopened and processed again, because we felt it was not handled properly. We have heard absolutely nothing from Chase yet as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: SYNCHRONY FINANCIAL
State: GA
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:
XX/XX/2019 XXXX XXXX I have no idea what this is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX I put in a dispute with Experian for an inaccurate account on my credit report. By XX/XX/XXXX, the dispute was resolved, and the account was exactly the same. I was not shown how the account was verified or notified by writing the methods they used to verify this account. On XX/XX/XXXX, at XXXX ; I called and spoke with a representative at Experian about the account that wasn't properly verified because it didn't go through the proper 30 days process to verify the account, nor was I notify of the verification process. I requested that the account was re-investigated and that I was provided proof of the verification process in writing. The representative stated that they can't verify information and just re-report whatever the creditor says. I stated that how is that possible when the point of the verification process is to verify the account for inaccuracy. The representative stated that they don't do that they just report the accounts no matter if its wrong or not. I told her that this was against the law and asked to speak to a manager or supervisor, the representative stated that the manager or supervisor wasn't available and then hung up on me. I have several inaccurate accounts on my Experian credit report that I have requested to be verified and hasn't and haven't been notified of the verification process. I also can't re-dispute the account as I have been blocked to submit the dispute again. Please help with this I am a teacher trying to purchase a home for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Located in XXXX XXXX XXXX this company engaged in REPEATED CONSUMER FRAUD, violating both Federal and California Consumer Laws. This Fraudster does not credit my mortgage payment paid in the beginning of every month and creates a FRAUDULENT mortgage loan balance forward dating XXXX of each month, without crediting mortgage payment. 

Did not credit all mortgage payments - including XXXX, 2020 and XX/XX/2020 mortgage payments. 

This Fraudster did not even comply with First Qualified Written Request. 

My patient has run out. I will sue this Fraudster on XX/XX/2020, seeking damages and attorneys fees.

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