BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-04
Company: JPMORGAN CHASE & CO.
State: CA
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:
I have been spending about {$8000.00} on my Chase credit cards per month for 2 years so there is sufficient transaction history to see my patterns. On XX/XX/2020, I received an email about a declined transaction asking me if I recognize the charge. It had a " Yes '' or " No '' choice and I clicked " No ''. I logged into my account and saw there were 29 unauthorized charges. I also determined that my card was lost or stolen. I locked the card and tried to dispute the charges online but it would not let me. I had to call. While on hold, the message tells me to dispute online but I could not. I finally reached a live agent and explained what the last recognized charge was. That was not acceptable. I had to go through all 29 charges one by one and state they were unauthorized. A few days later, the charges were credited and a new card was received. The former card has not been found. 

On XX/XX/2020, the 29 unauthorized charges showed up again on the replacement card. I thought it was a mistake and would be fixed the next day. It was not. I called Customer Service on XX/XX/2020 and was transferred to the Security Department. The Security Department told me there is nothing they can do and I have to speak to the Recovery Department. I asked to speak to the Recovery Department and I was told they are not taking calls and I have to email them. I emailed on XX/XX/2020 asking for a call and got an automatic reply stating, " Thank you for your email. We will call you if we need more information. '' I still have not been contacted. I also was never told what investigation was conducted, what the outcome of the investigation was, what the basis is for rebilling the charges to me, nor was I given an opportunity to reiterate the facts of the case. 

I realize the last 4 digits of the card in the attachments do not match but that is because the credit card number changed. It's not that I am confused about which card I am having issues with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17
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: Their investigation did not fix an error on your report

Complaint:
Over 30 days ago I sent Equifax a letter disputing that the information they have reporting on a car loan by XXXX XXXX is showing inaccurate. In fact there was never a late payment on this loan. As I did more research Equifax is showing the wrong open date of XX/XX/2017, the wrong high balance of {$89000.00} and is not showing the paid off amount of {$86000.00}. XXXX  is showing the account as paid but all three bureaus are showing different balances and open dates. Since Equifax seems that they are not in any hurry to fix this problem I reach out to the Finance Company that I paid the loan off with which is XXXX XXXX XXXX XXXX, and ask them to provide me prove of payment and all data of the transaction of payment with my signature attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting an incorrect charge-off on the XXXX partial account number XXXX, in the amount of {$10000.00}. ( Please see pages 9 and 10 of the attached credit report. ) This account was in my deceased husbands name. I was not a co-signer on the loan. After my husbands passing, I never received any bills/notices or letters regarding this outstanding debt. There was no Estate to inherit and no Estate to cover any outstanding debts. This incorrect reporting on my credit report is harming my credit score.

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 2017-09-07
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel. We have been told as of XX/XX/XXXX they are in receipt of the QWR and have not responded - We will not be allowed enough time to review the information being provided via our QWR request without the sale being postponed for this response to be received and reviewed adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX Amount Delinquent {$3500.00} Payment Status Collection/Charged off. 

This is a Corporate Account. I contacted American Express in writing for the past TWO years. They refuse to respond. They are reporting late every month. That monthly reporting is lowering my credit score. American Express took a Corporate Account and converted it to a Sole Properitor to attack my credit as a Individual. The Corporate name was XXXX XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have no acknowledge of this account and I was a victim of Identity theft. Please take this off my record this really getting ridiculous. I have tried to reach out to the this company numerous of times no ANS

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 2019-05-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt owed to American Express for XXXX. This debt collection agency Named XXXX XXXX started calling my work and also my wife who has nothing to do with my debt. They also called my father and I have already stated to all my companies to NOT call my work address. I would like to fine a complaint for calling cell phones soliciting payments from my wife and dad and also calling my work where I have explicitly stated to NOT call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/20 I spoke with a person in financing by the name of XXXX regarding my loan concerning the reason why I do not receive statements online or by paper. I was told that this company only service customers online. I also asked XXXX in the finance department, why my finance charge, interest, and breakdown on my loan is not showing online and I only see the payments made but nothing else. XXXX told me they do not give statements. So I explain to her I need a monthly account breakdown each month showing interest and other charges I am being charged each month in order for me to pay my car note each month and a balance break down in black and white on their website or paper statement, but this is important if they are servicing my loan. They must bill me fairly and show what they are billing me in black and white. Or they will give me no choice but to also contact the State Attorney Office also for assistance.

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 2020-10-24
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
All of our business accounts held at Chase bank have been frozen as of XXXX. A letter was received by one of the account holders requesting a review of their information to verify social security etc. The account holder contacted the number on the letter and verified the information and was informed our business accounts are in good status. We attempted to use our debit card and it was declined on XXXX. We then tried to transfer money between accounts and discovered we were locked out of all 4 of our business accounts with Chase bank. On XXXX we went to our local branch of Chase bank with the issue. I became aware that this was done under the premise of the Know Your Customer law. XXXX XXXX XXXX has held our business accounts with Chase bank upon our formation 10 years ago and we provided identification verification on XXXX. We were informed that it would take 48 hours to remove the freeze from our account. As of XXXX XXXX  on Friday XXXX our local branch manager contacted me after I had contacted her earlier that day as the accounts were still frozen. She was informed that Chase has a backlog to review and verify what was submitted and our account may be frozen for 2 more days. We are a small women owned accounting and bookkeeping firm that is now unable to pay our vendors, our employees and ourselves and at the mercy of this large bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Child support has been stopped on the account that I now have custody of my son. I am still being charged child support and am currently paying child support but credit reports show that I am either 30 days late or 150+ days late and it is currently hurting my credit score. There are inconsitancies regarding payments to the attorney general over the last 3 years. It is showing I am current one month then 90 days late the next month then no information for 2 months and currently in XXXXXXXX no information regarding payments with Transunion. XXXX shows I am current throughout XXXX until XXXX through XXXX and those months show 150+ days late. The incorrect reporting of payments from these companies are destroying my credit.

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 2020-05-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A letter from Chase bank was mailed on on XX/XX/2020 stating that they were going to debit accounts on XX/XX/2020 for " Govt. Stimulus Chase 30 Overdraft Assistance ''. I did not pay much attention to the letter as I had a negative balance on my account due to my unemployment and when the stimulus check was deposited the bank took out their over draft fee ( A service I never requested or signed for as I had a debit account and told the banker that I was not interested in overdraft insurance, that I wanted the account to function as a debit only and pay out if the funds were not in the account ). 

On XX/XX/2020, the balance ( XXXX ) in my account was taken by the bank around XXXX XXXX, and I was left with a overdraft of XXXX XXXX  XXXXThere was no need for this, I did not authorize this. Yes, the balance was small because I am unemployed and had been living solely on the stimulus check. That {$16.00} was going to pay for laundry. Because that did this. The money in my savings can not be transferred to my checking/debit account because they will take it and I have a small amount of money left. 

I tried calling them, but was unable to get through the lines as there was no customer service available, I kept going into a loop. Tried 3 different numbers. My daughter somehow was able to get through and was she was told was there was nothing that could be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Couple months ago I got a letter from this company so that I have a date for my medical bills. I told them do not contact me by mail phone calls etc. The hospital made a mistake and Im not paying what I owe. On XX/XX/2020 I get a letter in the mail again from this company I called them and told them a couple months ago they were told not to contact me by mail or phone. And they have they are violating my rights as aConsumer

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt owed to XXXX XXXX for XXXX. This debt collection agency Named Alltran financial started calling my work and also my wife who has nothing to do with my debt. They also called my father and I have already stated to all my companies to NOT call my work address. I would like to fine a complaint for calling cell phones soliciting payments from my wife and dad and also calling my work where I have explicitly stated to NOT call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America put a " fraud hold '' on my account and did not notify me other than by email. As I was out of town, I did not check an email or have any idea that they blocked access to my money. They declined my card for gas while I was on a trip and stranded me without any means of payment. Once I got the email, I notified them that the charges were approved, and they were supposed to take the hold off of my account. I drove to the grocery store and went shopping, and when I checked out, my card was declined, leaving me without any money or any food. Bank of America then had me call, where they sent me in to a cycle of automated recordings for an hour, then finally picked up, only to tell me that they needed to transfer me to another department. After another lengthy wait, I have now been told that my hold has been removed from my card. I want to get my money, and I am closing all of my accounts with BofA. A loyal customer for 28 years, they have turned in to nothing but white collar criminals that are funded by the government. I am appalled at the actions of my financial center and crippled by a {$12.00} charge that they used to freeze my money. This practice should be stopped, and if they are going to freeze someone's accounts, they need to at the very least send a text or call them to give notice. XXXX XXXX  does this, and I pay them far less than the {$12.00} BofA takes from me every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
OPENED ACCOUNT AND INITIATED A BALANCE TRANSFER. BALANCE TRANSFER DID NOT GO THROUGH, AND RECEIVED AN ALERT ON THE CITI BANK APP, THAT THERE WAS A " FRAUD ALERT '' PLACED ON MY ACCOUNT. DUE TO XXXX XXXXXXXX, I AM UNABLE TO COMMUNICATE ADEQUATELY ON THE PHONE. I DIRECTED MY POWER OF ATTORNEY AND PERSONAL HOME HEALTH AIDE TO CONTACT CITI BANK BY PHONE, AS NO OTHER OPTIONS WERE GIVEN TO CONTACT CITI BANK BY TTY. MY AIDE CALLED CITI BANK AND VERIFIED ALL APPROPRIATE INFORMATION WITH THE REPRESENTATIVE. THE REPRESENTATIVE REFUSED TO SPEAK WITH ME AIDE, OR ALLOW ME TO COMMUNICATE THROUGH MY AIDE. THIS IS A DIRECT VIOLATION OF THE AMERICAN 'S WITH XXXX ACT, AND A SEPARATE COMPLAINT WILL BE FILED WITH THAT BRANCH OF GOVERNMENT. THE CITI BANK REPRESENTATIVE ( S ) REQUESTED OUTSIDE CREDIT CARD INFORMATION, WHICH THEN HAD TO BE CANCELLED DUE TO FRUAD, BROUGHT ON BY CITI BANK 'S REPRESENTATIVE ( S ) MISUSE. DESPITE OBTAINING THAT CREDIT CARD INFORMATION, " THE REPRESENTATIVE ( XXXX ) WAS UNABLE TO VERIFY THE ACCOUNT AND WOULD BE SENDING A LETTER BY MAIL IN 7-10 BUSINESS DAYS ). AGAIN, ALL WHILE HAVING NO ABILITY TO USE MY CARD, OR COMPLETE THE BALANCE TRANSFER ( S ). I HAVE BEEN LIED TO SINCE OPENING THIS ACCOUNT, I HAVE BEEN DISCRIMINATED AGAINST BASED ON MY XXXX, AND WILL BE SUBMITTING A COMPLAINT TO THE OFFICE OF CIVIL RIGHTS OF THE UNITED STATES OF AMERICA. MY ACCOUNT REMAINS UNUSABLE. MY CREDIT SCORE HAS BEEN NEGATIVELY IMPACTED BY OPENING THIS ACCOUNT, FOR WHICH I AM UNABLE TO USE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filed a dispute regarding the validity of items on my credit repair. It has been 30 days and I have not heard anything back from the agencies or received a letter is in the mail. The original dispute was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.

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 2020-08-31
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a letter In the mail from the collection convergent company from XXXX of the balance of {$700.00} with a reduced amount of XXXX the debt has been well over XXXX years old and it has fallen off my report since XXXX of this year. I was under the impression that is was close given the aged of the debt ... it hasnt effected my credit as of yet but I want or stay on top of it so I wont have any Fluctuation to my credit score ...

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 2019-07-29
Company: EQUIFAX, INC.
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:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED THE PROPER DOCUMENTS TO BLOCK THE INFORMATION ON MY FTC REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Holloway Credit Solutions
State: AL
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:
THIS IS MY THIRD AND FINAL DISPUTE FOR THESE ACCOUNTS. I CONTACTED THESE COMPANIES AND THEY PROMISED TO REMOVE THESE ACCOUNTS FROM MY CREDIT. THIS IS ALSO MY THIRD TIME REACHING OUT TO THE BUREAUS ABOUT REMOVING THESE ITEMS FROM MY CREDIT PROFILE. THESE INACCURATE ITEMS ARE IN VIOLATION BECUASE THEY ARE CAUSING ME A LOT OF DISTRESS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: NM
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:
HI IVE BEEN TRYING TO SUBMIT DOCS TO THE 3 CRAs and have not gotten anything done. I have not been able to rectify the errors on my consumer report and I need help with this, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
State: VA
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 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XX/XX/2020 the debt was paid in full. My attempts to resolve this matter with the Creditor have been unsuccessful. My payment of {$100.00} was applied to the wrong account with a larger balance and refused to resolve this account. I have attempted to resolve this with the company.

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