BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I originally had a my best buy store card with an {$8000.00} credit limit which had never missed a payment on. I had a balance of just under {$2000.00} but with promotions which made it 0 % APR for 12 months. On XX/XX/XXXX I got my mail and received a letter from Best Buy stating that they have upgraded my store card to a XXXX  card and that they would transfer all my balances over to it. I never authorized this change and never wanted an upgraded card. On the same day, XX/XX/XXXX I called the customer service line on the back of my original store card ( XXXX ) and asked why they changed my card without my permission. They said they they sent me mail in XXXX asking to me to either authorize this change or opt-out, but I never received said mail. I asked to speak to a supervisor about this because the original customer service representative told me that it was past the point of return and I would have to stick to the new XXXX  card. After speaking with the supervisor he ensured me that the card could indeed be reverted to my original store card and that nothing would change, including the card numbers from my original card. On XX/XX/XXXX I called again to ask for an update on the changes because I received a new statement from Best Buy stating that my card was still a XXXX  card, still never one I agreed to have. After speaking with a representative again and getting the same speech of it not being reverted, I asked for a supervisor. When I was transferred they told me that they have no record of me ever having called them about the issue and I was stuck with the new card whether I liked it or not. ( How could they not know I called if I literally received emails after that call to review the service? ) I asked to speak to a different manager, and they told me my only option was to pay off the balance in full, close the card, and re-apply for the store card again. 

They forced me to pay off a promotional balance with a 0 % APR and close the card. Then they told me that if I wanted my original card, I would have to reapply, which would mean a hit to my credit score. 

How can credit card companies force their customers to pay off a balance with a promotional APR in full just so I don't get the 0 % interest benefit for the year??

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 2019-07-22
Company: JPMORGAN CHASE & CO.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage is with Chase Bank. Beginning about XX/XX/2018 Chase Bank began to show the date of the latest consumer payment in the top right corner of mailed statement. I like using the Chase app to schedule my payment every month on their website. I schedule the payment for the 1st ;  if it is a holiday - I scheduled it for the day prior. I schedule the Chase payment during the middle of each month for the first of the upcoming month. I have never been late at all with this mortgage. However, I just noticed the other day that, in small print on the monthly mortgage statement, it states what date they received a payment. On my statements, there are many received payment dates of the XXXX and of the XXXX. They are not posting correctly ; all were scheduled for the first of the month ; or the day prior if the first is a holiday. And, each month, it is a Chase Bank App that I schedule on. I still have all the composition books I used during the last few years. I am simply asking for the data ( of when Chase received by " checks '' over their database ) to be corrected on my records. Instead, it reflects the date when the checks cleared the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On Friday, XX/XX/XXXX, I sent money to my sister in XXXX ( {$500.00} ) dollars, for my Mom 's monthly expenses in XXXX, through the Remitly app. There is the option of an express delivery which is done so that you can withdraw the same day pay that rate. the money was deducted from my credit card, and has not been sent to my family in XXXX. On Monday, XX/XX/XXXX, I contacted Remitly and an agent named XXXX told me that the operations were delayed for the weekend and that at the end of the day it was done. 
That same day I communicated again with a service agent called XXXX who told me that the money was already in the bank in XXXX and that at the end of the day it was done. My sister contacted a person from the Bank in XXXX and told her that the money was there and that it would be made cash on Tuesday. 
On Tuesday it was not made effective, we contacted the Bank in XXXX again and this time they told us that the money was not there, it was for a system update, that it was a Remitly error, I contacted Remitly again, they apologized and that They offered to change the payment method to withdraw by window, it was supposedly done between 2 to 4 hours 24 hours have passed and the money has still not been sent to XXXX, today, Wednesday, I call again and they tell me an agent named XXXX, who sent an email and that the system must be updated, in conclusion, 6 days have passed, the money does not appear, it was deducted of my card, and my family in XXXX does not have it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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 status incorrect

Complaint:
I went on Equifax Cybersecurity last night and my data has been breached, when I try to apply I get kicked off of the site. I have called three times, I am left on hold for over an hour. Site mentions that I can call XXXX from XXXX, when I try to sign up, I get kicked off. I am concerned with my data being breached being I have already been a victim of ID theft four times, it has effected my credit file and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX {$220.00} XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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:
Inproper haddling of a dispute submitted to XXXXXXXX XXXX XXXXXXXX. I did not reside at the address provided for over 7 years. This collection agency also failed to properly send any documents or letters advising of the debt and service date for the alledged debt. I did not reside at the address they claimed I resided at at the time of the service date.

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 2019-07-22
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were required to purchase PMI at ten time we got our mortgage in XX/XX/XXXX. At that time our home appraised for {$270000.00}. The current principal balance on our home is {$200000.00}. As we understand, PMI should have been removed automatically when the LTV reached 78 % of the original appraised value. After noticing that the bank did not remove our PMI, even after the principal fell below 210,000, we filled out the banks request form to remove the PMI and emailed it as instructed on XX/XX/XXXX. We have received no response. 

We have never missed or been late on a single payment.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian, My latest credit report displays wrong and inaccurate personal account information- please see attached. I need to have this resolved as soon as possible as its affecting my ability to obtain credit. 

Thank you

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 2023-10-23
Company: U.S. BANCORP
State: NJ
Product: Credit 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:
I filed a dispute against Elan Financial Credit Card Services and Fidelity Investments on XXXX XXXX XXXX through your organization, CFPB. Fidelity Investments employed Elan Financial Credit Card Services to manage their credit card and Elan responded and stated that they called me on XX/XX/. Elan never called me to resolve this dispute nor will they look at my documentation. I have attached my XXXX phone records to provide you with proof that they did not call. 

On XX/XX/2023, XXXX ( dispute supervisor at Elan ) stated that she would reopen the case if I could provide documentation that shows that there was a return policy at the time of my purchase on XX/XX/2023. In addition, I told XXXX that I had emails from the merchant, XXXX XXXX XXXX, that state they would take the product back and I stated I would get back to her. XXXX did not want to see the emails from the merchant. 

On XX/XX/2023, I called back and spoke to XXXX ( dispute supervisor at Elan ) and he stated that he will not open the case. I told him that I have emails from the merchant, XXXX XXXX XXXX stating they would return the product and documentation that demonstrates that at the time of checkout there was a return policy. 

Elan is unwilling to reopen the case and look at my documentation. I have recorded their phone calls and so has my third party investigation firm, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. We both have them on recorded lines wherein Elan states that they will not work with me to resolve this dispute by looking at my documentation. Elan can lie to you and state that they are willing to work with me but they are not willing to so. I would not be spending so much of my time filing complaints if they would look at my documentation. I am providing you with my XXXX XXXX XXXX phone records of XX/XX/2023 to demonstrate that Elan is lying and not calling me. They have no documentation to show that they evidence that they are working with me.

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 2023-10-02
Company: Upstart Holdings, Inc.
State: NY
Product: Credit reporting 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 this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.

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 2023-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
RE : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX av XXXX, Il XXXX Account # XXXX ( XXXX ) XXXX To whom it may concern, XXXX XXXX XXXX XXXXXXXX XXXX, We received a Loan Modification from XXXX XXXX, Making XXXX the Noteholder and XXXX XXXX XXXX XXXX XXXXXXXX, then XXXXXXXX XXXX XXXX XXXX  was closed By the XXXX, and the FDIC was made the Receiver, and XXXX XXXX XXXX XXXX  was the Servicer, then XXXX XXXX XXXX XXXX Parent company of XXXX XXXX XXXX filed Bankruptcy, XXXX XXXX  then sued FDIC as the Receiver XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Bank as the Purchaser, but XXXX XXXX XXXX XXXX Counter sued and after several court cases it was determined that, XXXX XXXX  was the owner over XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX as insurer. ( XXXX Proof of Claim ) XXXX XXXX XXXX XXXX becomes Trustee over XXXX XXXX XXXX XXXXXXXX as part of reorganization cancelled and extinguished all Securitized bonds, After the certificates was written off no one repurchased our note from our Noteholder XXXX. We have been working with XXXX XXXX XXXX, trying to get Lien Release, But, Servicer SPS refuse to remove Lien. 

Thanks XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: CA
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:
It seems that the account keeps reporting on my credit I have asked numerous times for the credit bureaus to verify this debt in accordance FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). 

The credit or credit reporting agency is unable to provide this information so I am not certain why this account with out account history keeps reporting. 

XXXX XXXX This account has no address, no phone number how did they verify this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I have tried to dispute this debt for some time now my identity was stolen after a horrible car accident I was involved in my car blew up on impact and I was XXXX lifted to the hospital along with my XXXX year old daughter at the time. This is one of those accounts that was opened under my name. The first dispute was a little over a year ago and it came back verified accurate and resolved in 3 days the company says the reviewed everything and that the debt is mine. I tried to dispute this again a week ago and they finally removed it from my credit report it dropped my report down by 23 points for removing the negative remark. I check my credit report again and this same debt shows up on my report dropping it another 7 points because of the negative remark. Im not sure what game this company is playing but its hurting my credit really bad I just got denied a rental home because of the issues caused by this company and my credit dropping so many points to just have this incorrect debt added back on my report causing more harm this is horrible and seems illegal I would like help resolving this matter thank you very much for your 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 2018-10-15
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am currently being sued after not one but two attempts to be sued for a purchased amount by XXXX XXXX XXXX. They purchased a debt worth {$1300.00}. XXXX and another debt worth {$980.00} however, for both debts I have not been notified of 1. Name and Address of Alleged Creditor, Alleged Account Number, Date Alleged Debt Became Payable, Date of Original Charge Off or Delinquency, Amount Paid if Debt was Purchased, Proof of Debt, Payment History, Copy of Initial Loan Agreement or Credit Card Application, Proof of Debt Ownership all of which I am entitled to know due to the Fair Debt Collections Practices Act ( FDCPA ). It is to my understanding that XXXX XXXX XXXX is aware that I am entitled to this information and relies very heavily on that possibility that I may not be fully aware of my rights and reluctancy to attend court or reluctancy to dispute lawsuit is the premise of their business. I now have XXXX XXXX XXXX on my credit report and would like it removed. I am going to court to on XX/XX/2018 to vacate a default judgement that was motioned on XX/XX/2018 by XXXX XXXX XXXX because I was never properly served. There was a failed attempt at being served by XXXX XXXX XXXX , XXXX via certified mail but no record of my signature indicating that I received a summons because I did not. After being told the case was thrown out due to their method of communication I was under the impression the case was done. However, now I have to defend my rights under the Fair Debt Collections Practices Act and ask the judge to vacate the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In attempts to make a monthly payment, I called the company 's XXXX number to determine the total balance, date due, and monthly minimum payment. In listening to their recorded message it was discovered that the company has an incorrect telephone number connected to my account. After listening to the recorded message I hung up and called the XXXX number again revealing the same information. I called again to speak with a live representative who informed me that they were unable to provide any information on the incorrect number even after I provided my correct telephone number. I disputed the representive explaining their information was wrong. The representative was uncooperative and I explain I would contest their information regarding their information on my account. This is the second time in over 7 months that I've listened to the recorded message which reveals the same incorrect number. On each occasion the company has refused to explain why they have an incorrect telephone number connected with my account. I called the XXXX which revealed the number was unallocated. 
I've had issues with XXXX 's in the past in keeping accurate records of my XXXX  account which caused me to contact their corporate offices. In the previous two events, XXXX 's has overcharged my account either in record keeping or at the customer service desk.

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 2022-09-07
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I initially applied for an AMEX XXXX XXXX Gold back in XX/XX/XXXX. The offer was cancelled according to Amex because I changed to an AMEX XXXXXXXX XXXX When I made the change back in XX/XX/XXXX over the phone the Rep. did not advise me that I was going to lose my credit card offer and there was no offer with the XXXX card. I had asked Amex to pull the call and listen to the conversation. They have not done so and have dismissed all of my inquiries into the matter since XX/XX/XXXX. During this period, I opened a personal Amex XXXX gold and when I filled the application on their website, I was told that I would not be eligible for the offer because I already had the offer in the business card. This of course did not make sense because they are two separate cards ( one business and one personal ). Now Amex is contending that I did not receive the offer on my personal card because of the business. However, a month ago after multiple calls an Amex Rep told me that I lost business card offer because I changed from business gold to platinum. If I lost the offer on the business side, why I am not eligible to get it on my personal card? I called again XX/XX/XXXX and was told by another Rep. that they are still investigating the matter. When I asked why is taking months from my first inquiry, she was not able to respond and disconnected the call. I need assistance to get to the bottom of the bait and switch tactics that Amex is employing with their credit cards.

Company response to consumer: Closed with non-monetary relief