BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
State: TX
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:
A company XXXX XXXX added a credit collection to my report stating this was opened XXXX of this year and I know which account this is ... it was opened 5 yrs ago or more for air time on a cell phone, and I tried to get them remove some of the erroneous charges on my bill for a long time back then. I had Experian dispute it and they left on my report ... XXXX removed it from theirs XXXX XXXX XXXX   XXXX Original Creditor XXXX Open Date XX/XX/2019 Balance {$1500.00} Contact Information XXXX XXXX XXXX, XXXX, FL XXXX 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 explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has a security freeze on my credit report and will not remove it. I have jumped through all of their hoops to no avail. I exhausted all means on line and nothing worked. They claimed they needed more information so I complied and mailed everything they asked for. NO RESPONSE!!!!! I need this resolved as I need to get a loan for my son. It is very important. There is no possible way to speak to a real person on any of Experians contact numbers. I do not feel that a company that is headquartered in XXXX should be able to operate in this country without a phone contact with real people who have the ability to resolve issues. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IA XXXX email : XXXX phone : 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 2018-11-09
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I broke my lease with XXXX XXXX XXXX located in XXXX, TX due to my requirement to go overseas. I provided the leasing office with my orders ( attached ) as well as my forwarding address. 3 months later, I discovered an open collection on my credit report on behalf of the apartment complex indicating that I owed {$210.00}. I called the collection agency NCC Business Service to inquire and was advised that The leasing company reported me for non payment of " fees ''. My credit report showed date of first delinquency as XX/XX/XXXX, which was not even 30 days after my move out. I had not received a single letter, notification, phone call, NOTHING. I reached out to the leasing office to no avail. I ended up just paying it because, i was afraid of my credit being adversely impacted. I knew that I had the right to dispute the validity of the debt, but was not given the opportunity. Nearly 4 years later, I'm still fighting to get that collection removed from my credit report. I discovered that because i live in Texas, i have the right to request Debt Validation under the Texas Financial Code. I had the letter ( attached ) mailed via USPS to NCC Business Service 's address that is listed on my credit report with signature confirmation on XX/XX/XXXX. They have yet to respond. As a result of them not responding within 30 days, that Texas Financial Code states that the tradeline must be removed from my credit report. I'm requesting assistance to get this matter resolved, as I have exhausted all my options. I've disputed that account countless times, with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
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: Personal information incorrect

Complaint:
I am having issues with old addresses and information not current or accurate on my credit report. 
My name is XXXX XXXX XXXX My SS is XXXX My DOB is XX/XX/XXXX My Employer is XXXX I have am no longer associated with the following addresses please delete them the are not accurate. Please remove me from all per-screen products and OPT OUT my name of data base services. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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 2019-06-21
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2019 Called company because of excessive fee structure - usually, an annual fee on a card is associated with some other rewards points, lower interest rates, no foreign transaction fees, reasonable compliance fees, especially when one has excellent credit -- because Citi is trying to charge me a {$75.00} annual fee on a card with minimal points, that charges foreign transaction fees, has an interest rate of ~25 % and asked them to eliminate the annual fee and lower my rate. Their agent canceled my card without my permission. I called back to complain and they took me through the process of reapplying for the same card and said because the card was new there would be a {$75.00} annual fee, but they would waive the {$75.00} fee on the prior account that is now closed, however, the account is closed so the fee should not be owed. 

In order to switch the card to one without an annual fee and try to get my rate lowered I would have to call back once my new card arrived, expecting me to spend yet more quality time with them on the phone. The {$75.00} fee remains on my closed account, we'll see if they maintain their request for payment ... This company is not trustworthy and unscrupulous.

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 2020-04-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Set up with IRS portal to have my {$1200.00} Covid 19 stimulas Check direct deposited. 
That Bank is XXXX. 

That transaction happened, without problem. 

Next, I set up a external account tied to JP Morgan Checking Account. 
My goal was/is to use {$900.00} of above to Pay my Rent for XXXX. 

Prior to setting Up External Account- Chase had protocal of depositing two small amount into the XXXX account. Once those happened- I was told to log back onto my online Chase Account to verify these Deposits of XXXX cents and XXXX cents. 

I did that step and External link to XXXX was established. I then went ahead to set up a transfer from XXXX Account into my checking account at JP Morgan of {$900.00}. Screen indicated it would be done on XX/XX/XXXX. I logged onto JP Morgan Account in late evening of XX/XX/XXXX and Account was blocked for access due to purported " suspesious '' activity. I called their customer service ( 32 minute wait time ) - and said they needed to call XXXX XXXX to confirm this {$900.00} transfer I requested. They put me on hold. Once back online told by they could not reach XXXX by phone and were going to close my account. I said just cancel this external account and Reactivae my needed Checking Account. Said I would have online access in a day. That did happen. However this is NOW URGENT MATTER : On XX/XX/2020 part of my much needed government Covid 19 emergency moneys was transferred at XXXX XXXX to JP Morgan. THIS {$900.00} IS NOT IN MY CHECKING ACCOUNT FOR ME TO PAY MY RENT! 
The external link now shows NO XXXX indication. This {$900.00} is out somewhere and it is rightfully mine to access. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Corporate Office Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX RE : Accunt # XXXX ; CASH STORE-XXXX, TEXASXX/XX/XXXXAttn : VP-Corporate Collections, I am writing to notify you of my request for a Consumer Affairs investigation by the Attorney General of Texas Consumer Affairs Division . I took out a loan and records indicate the payments are not being processed as requested on XX/XX/2021. Please contact the XXXX XXXX XXXX location to correct this issue. I will not refinance a loan unless you provide documents indicating I made no errors in my loan processing/etc. Payments can be made with my credit card or checking account as previously requested. 



You can have someone from corporate contact me at the address/number listed above. This is the second time an error of this nature has occurred regarding a loan. A VP from Corporate call a few years ago to resolve the issue last time. The XXXX XXXX called on XX/XX/2021 and said I refused to make a payment on XX/XX/2021 by credit card. I dispute this statement. My {$1200.00} overdraft protection status at Texas XXXX XXXX is in place. I am waiting on a call back from Corporate. I spoke to three employees regarding noting the account about my concerns. I am not interested in refinancing a loan. Enclosed is a payment for {$370.00} dated XX/XX/2021. I want all future payments to be process as promised on the debit card until paid in full. 



The Cash Store call during the week of the high school shooting in XXXX, Texas ; however, as an XXXX employee I was not able to respond to any calls. I understand the bank approved the payment and you will process all other payments. I will do my best to pay this account off early. But, I will not return to your store locations. The employee I spoke to in collections surprised me by claiming no managers are available to speak to customers. Then, I was told corporate has no communication with store managers. Wow!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed there was a debt on my credit report and contacted Cavalry Portfolio Services. I received a call back from a place called XXXX XXXX who said they collect for the debt collector Cavalry. 
Through various communications and letters the amount given ( what they said they purchased & I owe ) changed 3 times. I spoke to several people and was offered a settlement around {$700.00} to close the account & remove from my credit report in which I agreed to just make this go away. Several times I spoke to a lady named XXXX. 
Each time I contacted them I gave them my PO Box as I never received any mail from them with this so called agreement they were sending. On one occasion I spoke to a lady asking when this agreement would be sent and was told it was in my best interest to go ahead and pay it today before it became a charge off and was on my report for 7 years. 
On XX/XX/XXXX I tried to get a loan for a house and was notified about this open account from Cavalry ( I had forgotten about ) and tried calling them again. On the third attempt I got a guy on the phone who was very rude and shut me down telling me he wouldn't talk to me and I should contact their lawyer at XXXX. 
XX/XX/XXXX I contacted the law office and spoke to a very friendly lady whom discussed the issue and then contacted Cavalry about a settlement on the account. Cavalry again changed the amount and told her nothing less than {$800.00}. 
The customer service at Cavalry is beyond horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: STERLING JEWELERS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had called years ago to close my Kay jewelers account that I was lured into opening in a store when the guy said it was a membership card and it actually was a credit card. So I called right away when received to close it. And now in XX/XX/2019 is see on my XXXX credit score that this account is still opened under the name XXXX XXXX/Kay jewelers. Which is an odd buy out from the Kat jewelers account that does appear as closed. Could you help me close any account with this company for good?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Grant Mercantile Agency has for as far back as XX/XX/XXXX and again on XX/XX/XXXX frauduently reported a dept being in collection status begining at {$1000.00} and now {$1200.00} They had none of my correct personal information on file until I contacted them not even a correct name. All they had was a mailing addess. They have been reporting this for years and have done no due diligence to see if they were assigning the debt to the right person. I have contacted them, they know that the debt is assigned to the wrong person and are not voluntarily removing the debt. I believe that makes it fraud at this point. It is possible that someone may have given false information to this creditor at the time of service, but it was not me and I have made them aware of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts on 4 submitted reports to the FTC. Additionally, there is a name added that's not mine and most of them exceed 7 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 2020-04-28
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Opened a savings account with XXXX XXXX. I go to link my PNC account with it to add funds and it says PNC made a change to the privacy that makes it so you cant link other accounts to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
State: CO
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:
XX/XX/XXXX around XXXX, I was called by a person stating he was calling for XXXX and that my account was being charged for a new XXXX XXXX. He instructed me to go to the XXXX  site and type a web page-my computer immediately locked for ransomware.. I was transferred to another person who stated that for {$490.00} they would unlock my computer. I gave them my XXXX XXXX that was declined and they specifically asked for a Chase bank card. My computer unlocked but it was clear they were installing spy ware so I shut down the computer. I immediately called Chase and told them that this change was fraudulent and they should stop payment. They said it was not posted yet so they could not do anything until it posted which it did the next day, XX/XX/XXXX and the charge was {$470.00}. I called first thing in the morning and was told they could not do anything. The vendor was XXXX. After multiple calls I reached XXXX who said that it was not processed and emailed me confirmation. I started an appeal with Chase who said that the charge was valid. This should have been stopped when I first called. This was XXXX  and I believe Chase bank is facilitating this type of fraud. I appealed again and was told that I received the service from the merchant. I guess fraudsters are also merchants. 
I have used a Chase card for probably 35 years or longer and never protested a charge before. Would it be possible for you to contact them to get them to cease and desist assisting fraudulent transactions. I would be happy to provide written details and any other information. I am a XXXX senior.. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-06-21
Company: PHH Mortgage Services Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I can not get PHH mortgage to confirm by email or letter that I have paid off my loan in full. 
I have tried repeatedly ... spoken to them on 2 occasions and they say they will send me a confirming letter and email with payoff info. 
BUT I have not recevied either and it has been almost 1 month since payoff on XX/XX/19. 

I have called at least 6 x and been disconnected 2x after 30-54 minutes on hold. I have spoken to Escalation Managers ( XXXX # XXXX ) 2x after being on hold for over 45 minutes. I was promised email in 24 hrs and letter in 7 -10 days ... no response. 

I have sent email complaint to XXXX ... got 8 responses in 1 day that they would call me within 5 days ... .no calls. 

I sent email complaint to XXXX ( parent co. ) and it came back undelivered. 

I have received double invoices for payment AFTER I have fully paid off the loan! 

I have tried to reach the VP of Mortgage Servicing XXXX XXXX but his office goes to voice mail and on hold / disconnect. 
PHH is either dishonest or incompetent but I deserve better as I was a great customer for their mortgage business. Never late etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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:
XXXX XXXX has sold my account to XXXX XXXX XXXX ( XXXX ) for collections. I have disputed this account with all credit bureaus. This account was paid in full through my XXXX XXXX  account on XX/XX/2018 before account was even sold to XXXX. I have mailed proof of bank statement certified mail to all credit reporting agencies XXXX XXXX, and XXXX  as well as XXXX. Please assist me in seeing that this issue is resolved and account is removed from my credit file.

Company response to consumer: Closed with explanation