BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: Store credit 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:
About two months ago, Kohl 's began calling to collect for purchases and for added interest and late fees. I have not seen the charges, but I believe purchases are in the approximate area of {$100.00} and interest/late fees take the charges to {$250.00}. They have the incorrect address and phone number and will not accept my current address, saying their system can not handle an address overseas. I have never received a statement explaining the charges they want to collect for. I have received numerous phone calls from polite ladies, and have given them my correct address ten times or more. They refuse to change my address and continually maintain an address in XXXX where I have not resided for several years, whoever is living there does not know me and vice versa. I do not have the credit card if they sent one, it went to an incorrect address. So I have no account number to look up my account online and they refuse to send the bill by email or by regular mail. 
I have requested to speak with managers and supervisors with authority to help me see my statements. Unsuccessful. I was transferred to the President 's Office, no answer. I called the Legal Department and left a message to return my call ... no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In 2003, I obtained a Best Buy Credit Card. It is currently serviced by Citibank. I noticed that I have been being charged up to 12 percent annualy for " debt protection '' which I never agreed to purchase from 2003 through present. I requested that Citibank send me the proof that I signed up for this service ( a signiture or other affirmation that I agreed to purchase " debt protection '' ) After numerous calls to Citibank, I was told the " debt protection '' was provided by a third party, but no one knew the name of the company that provides the " debt protection service. '' I later found out it may have been provided by a subsidiary of Citibank which is an insurance company. Even the cancellation department for the " service '' was unable to explain who they worked for. I was told they would be recording my call, when I asked if I would have equal access to the recording, I was told " no. '' When I asked whether I could record the call, the person asked a supervisor, then got back on the phone, and told me since I asked to record the call she could n't talk to me and immediately hung up. I called back and said I would talk to them under duress. They agreed to cancel the service, I never agreed to pay for in the first place and told me that another department which they only have an address for that has no phone number I could call or email address would find the proof that I signed up for the service. 30 days later, I received a letter saying Best Buy 's records indicated that I signed up for the service with NO proof that I did sign up. I called back and explained again that I think they have been fraudulently charging my card for a service I never agreed to pay for and I mentioned that it appears that Citibank entered into a consent Order in Federal Court ordering it to pay XXXX XXXX dollars to consumers for the exact same issue I am having. Specifically, that debt protection service was charged without ever being authorized by the consumer. I was told, they have no idea about that. I again demanded all amounts that I was fraudulently charged since 2003 be refunded to me with interest. Against 30 days later, I received a letter saying their records indicate that I signed up for this service in 2003, again with no proof that I did in fact sign up for the service. It has now been almost 3 months since I started this process of attempting to get the money they essentially stole from me back without filing a lawsuit.

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 2017-11-25
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I scheduled a credit card payment through Bill Pay for the day it becomes due ( the day after the billing cycle ends ). The payment was applied to main balance without being applied towards the amount due. This is after Chase Credit Services allowed a Bill Request taking me over my credit limit even though my JPMorgan Chase accounts have been locked for more than 10 years against overdraft and over limit usage at my to resolve another problem at that time. 

Since, I have receive conflicting requests of the amount due where my account statement online has one amount and the robocall collectors state a much higher amount ( over {$100.00} difference ). I do have recordings of the robocalls and screenshots of my online statement. The robocalls have been 5 times per day whether answered or not in harassment which have also disturbed my necessary rest required for health reasons. 

I do have a letter from Chase Executive Services stating a bill can not be paid on the day it comes due and the bill must stand for 24 hours first. 

As a note in another issue, JPMorgan Chase has been making fraudulent accusations and committing defamation of character through credit reporting. I NEVER take direct action to take my credit card above its limit though I may come with {$1.00} of my limit at times. Any request to go over my limit is absolutely denied due to previous agreement. Yet when Chase Credit Services applies their bill, it takes my card over the limit ( acceptable and understood ) but Chase Credit Services report to the credit monitoring companies this is my action rather than their billing action. 

I have also directly requested the name of the legal responsible party for both JPMorgan Chase and Chase Credit Services to be named in lawsuit and, while he information has been repeatedly promised, it has not been forthcoming in the time they promise in order to delay the filing of legal complaint. 

Chase has also now created a situation where a bill paid directly through Chase on the actual due date is now applied a day or days later if weekend where they charge a late fee even though the bill was paid directly through the bank account to the card on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was extended a credit account by Citibank to purchase furniture at XXXX ; however the 1st issue arose when the credit slip they presented to me for signature did not match the terms they agreed to give of 0 % financing for 18 months. I started to sign the slip only getting as far as the A-L of my 1st name and then told the sales rep I did not feel comfortable signing it and wanted confirmation in writing from Citibank that the terms promised would be honored. Well needless to say the 1st letter I received from Citibank stated the terms were under review and I would be notified of their decision within two billing cycles. At this point I felt I was being mislead and told XXXX to cancel my order. I sent a dispute to XXXX and Citibank to request a refund. XXXX gave me back my money, but Citibank is still attempting to hold me responsible for merchandise I DO NOT HAVE and more importantly did NOT authorize be charged. 

The results of there 1st investigation simply stated XXXX does not allow cancellations or refunds???? So I requested they re- investigate because 1. I did NOT sign the credit authorization AND 2. Never received any merchandise for XXXX Lastly, I have been receiving statements stating I am required to make payments although the entire balance is under dispute AND I have yet to receive a response since I faxed the documents to them on XX/XX/2018. That is over 60 days!

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 2017-11-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I accidentally deposited a check that I thought was my VA XXXX monthly allowance. Similar amount to my usual monthly deposit. I realized the error after the fact but the bank was closed. I had to wait until the next business day in order to fix the error. My VA monthly allowance was deposited electronically to cover the negative balance. I then requested that the account be closed due to it being compromised. They closed the account per my requested but then reported me to XXXX even tho I fixed the error the next business day. US Bank - XXXX is unethical in their banking practices and should be further investigated. I have document proof, bank statements, and receipts in order to have my name removed from 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 2019-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America is foreclosing on my home. I submitted a loan modification/loss mitigation package to Bank of America, which Bank of America stated that it's employee lost the Mortgage modification/loss mitigation application. Bank of America never sent me a reply about the Mortgage modification/loss mitigation decision at all. Per The CFPB 's Statute 1024.41, Bank of America never notified me of the decision that they were going to foreclose on my home.I did not have an opportunity to appeal Bank of America 's decision because I did not know the status of the of the loss mitigation. I tried selling my home to avoid a foreclosure but Bank Of America did not respond. Furthermore, Bank of America did not credit my Mortgage as they mixed up my Mortgage loan number with others. 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 2020-11-14
Company: WVH, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Simplified Revenue Recovery LLc is in violation of 15 USC 1692

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has called me on multiple occasions and every time I answer it is nothing but problems. They told me I " better go ahead and pay it before they start calling my employer ''. XXXX XXXX told me he was in process of " clicking the button right now '' if I don't pay it. Later when I spoke with someone else they said my account was safe until the end of the month so XXXX was just manipulating me. They have spoken to me about my account multiple times without verifying me or reading me a mini XXXX. There are several other things that have happened but I'm sure if you listened to the recorded calls you would see a million red flags. One person told me " the law requires him to report this to my credit '' We have had multiple phone calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Wells Fargo Financial Bank opened up an account in my name without my authorization or permission, and sent me a XXXX XXXX XXXX credit card ending in : XXXX, I never applied for the XXXX credit card account. The XXXX credit card account has a current balance of {$4300.00} which is not my charges or credit card account. I contacted my 2 U.S. Senators from Arizona, thats U.S. Senator XXXX XXXX and XXXX XXXX in regards to my issue. Senator XXXX and XXXX sent me a letter assuring me they would look into this matter and contact executives from Wells Fargo Bank to seek an immediate resolution to this matter. Senator XXXX informed me that hes considering calling Wells Fargo Bank Executives to Congress for more senate confirmation hearings on my issue and other constituents in their district complaining of the same issues and problems. Wells Fargo Bank Executives has appeared before Congress for congressional hearings the last few years to answer for Wells Fargo Bank opening up millions of checking and credit card accounts in peoples names all over the country without their permission or consent. Wells Fargo Bank just settled a National lawsuit for opening up accounts all over the country in Americans names without their permission or consent. I was part of the class action lawsuit and Wells Fargo Bank just credited my checking account XX/XX/XXXX for {$85.00} as part of the class action lawsuit settlement for opening up a checking account in my name back in XX/XX/XXXX/XX/XX/XXXX without my permission or consent.

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 2019-09-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have paid the balance of the JPMCB Card with the negotiated understanding that the negative impact on my credit reports would be removed. I was told letters would be sent on multiple occasions as well as emails showing this. I have called multiple times with customer service hanging up on me and transferring me as well as being told the letter is being sent to no avail. 
XXXX is the customer service number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-05-03
Company: Experian Information Solutions 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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX File Number : XXXX Experian Report Number : XXXX XXXX Report Confirmation Number XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX I recently found i was involved in the XXXX Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed I have these accounts called and disputed with XXXX Experian & XXXX and this problem never got solve now i'm reaching out to you guys for help!! these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

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 2019-09-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Lived at the same address for 7 years, do not have any alerts/restrictions on my Experian credit report. Have been obtaining my report on a yearly basis with no issues. Just recently ordered my report through both XXXX and XXXX without any issues. However, having an issue ordering my Experian report through the automated system. I should be able to receive my once yearly report now.

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 2019-09-20
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX THIS IS A FOLLOW UP COMPLAINT TO COMPLAINT NUMBER XXXX. AS DOCUMENTED IN THE XX/XX/2019 LETTER SENT BY XXXX XXXX, OFFICE OF CUSTOMER ADVOCACY, I WAS DUE TO GET A CHECK IN THE AMOUNT OF {$10.00}. I DID NOT GET THE CHECK. I CONTACTED MISS XXXX 'S OFFICES TO CONFIRM THE STATUS OF THE CHECK. I DID NOT GET A RESPONSE.I WANT TO VERIFY THE STATUS OF THE CHECK. IF IT DID NOT PROCESS, I WANT THE CHECK RE-SENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-18
Company: LoanCare, LLC
State: KY
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:
We were in the process of selling our home. I was in contact with the company due to the fact that we were having trouble obtaining a payoff. I informed the company that we were selling the home, I called and notified the company. I was told it was noted in the account. The closing attorney requested the payoff at the end of XXXX and because he did not get a response, I had to call and finally received a payoff. We closed on the home on XX/XX/XXXXand the mortgage was paid off onXX/XX/XXXX. Regardless of my communication our credit report was hit. I am under the understanding that this will be on my credit report for 3 years. I want it fixed. I was in communication with the Mortgage Company. 
I did my part, it is out of my control when the check is sent to pay the mortgage, and the fact that the mortgage company did not provide us with the payoff. I notified them that we were closing on the home, and I do not feel I should be hit on my credit report because they were not able to honor my efforts. I explained that the reason for selling the home is that I did not have the money for the mortgage, thus why the issue. Also, they filed for foreclosure on the XXXX home. I received paperwork. We never missed a payment, we may have been late but made the payment within the month. I told them we were selling the home. How in the XXXX does that make sense?

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 2019-09-20
Company: BB&T CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom it may concern, My name is XXXX XXXX I got a Veh loan in XXXX with a company called Regional Acceptance I bought a used pickup truck for a little over XXXX I ran into fiananial problems but since then I have tried to clean up my credit alot I have not credit cards 1 loan but since then they were using experian credit reporting agency they stopped using them an it been removed off my XXXX   file and now its on my XXXX report XX/XX/XXXX these people refuse to let me clean up my credit Please help me get them off my report

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 2019-09-20
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was cleared of a debt by XXXX XXXX through court. The other party that was on the loan took me to court and ended up being responsible for the debt. I sent Equifax a letter from XXXX showing that I no longer owe the debt and Equifax will nt remove it. There are a lot of things that do not belong to me on my Equifax report and it is ruining me from purchacing a home for my kids and I I have done all I can and even file a ID theft report and sent in to Equifax and they still will not remove that and several other things from my report. 

Also all 3 credit bureaus are reporting lower scores than I actually have and that is another thing that is stopping me from a home purchase I am a single parent and I worked hard to get my cerdit on track for this home purchase and now I an being denied due to inaccuries on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: Synerprise Consulting Services, Inc.
State: TX
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:
SYNERPRISE CONSULTING ACCOUNT # XXXX {$2300.00} UNVERIFIED ACCOUNT

Company response to consumer: Closed with explanation