BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: MT
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:
In XX/XX/2018 Citibank decided that it would require customers to enact extra-legal limitations on the legal commerce of firearms and accessories. To the extent that this represents an unacceptable infringement of Constitutionally protected civil rights by a bank that only recently was bailed out by American taxpayers, I ask that Citibank be censured, reprimanded, or otherwise face severe consequence in terms of their future business dealings and with the American government and citizens. The right of a private business to conduct their affairs as they see fit must be respected, however this does not mean that these actions must or should be supported by the US government or citizens. 
I did raise these concerns with Citibank reps by phone calls and mailed letters, receiving the reply XX/XX/XXXX that Citi would not be reconsidering their actions. Subsequently I have cancelled all accounts with Citibank, which represents a restraint on free trade and legal commerce of legal goods.

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 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I got robbed on XX/XX/2018. Thieves stoled my Kohls credit card. Called their customer service and spoke with someone who did not want to help. Emailed company on XX/XX/2018. No response. Called again on XX/XX/2018 and customer service was no help again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Myself XXXX XXXX XXXX and My wife XXXX XXXX XXXX, resident of XXXX XXXX, XXXX XXXX, XXXX, PA XXXX are Senior Citizens and own investment properties and dealing with Mr. Cooper a mortgage servicing company has been a disaster and one of our loan numbers XXXX is being reported wrong to the credit companies and we have been sending letters and proofs that our payments are made on time and we have Home Owners insurances. We have all the proofs but the people at Mr. Cooper either are too XXXX  or untrained that they don't understand anything about Mortgage. We are getting all the lates on our credit report and they don't care. We need someone to look in to their practices of business. We need this fixed ASAP. We need to refinance our properties and all these lates off our credit so we can get better interest rates. We also need Credit Companies to do their job and investigate before they put these lates and XXXX us folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS O MY EXPERIAN CREDIT 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 2022-02-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency please see attached documents and Identifying identification as it contains my full complaint and request.

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 2018-04-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I got a store card backed up with XXXX XXXX, I changed my address after receiving the card, I called XXXX  XXXX   and changed my address, yet I did not receive a statement for multiple months, I received a phone call from the bank later and I found they still had the old address which they then corrected. I told them I would like to pay my original balance and I don't believe I should be responsible for all these additional fees as a result of them not properly updating my address. I requested that I speak with a supervisor to revolve the matter instantly on the phone and pay my balance, I was not given a fair response. I let them know that I will be contacting the CFPB unless they reach out and work with me to resolve this issue, I was ignored and they keep on adding fees and interest the amount now is multiple folds higher than the original balance. I feel that they have significant leverage over me to force me into paying unfair fee and I have zero leverage but to do what I want. My credits core has been significantly impacted and I am looking to buy a home. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX there was a fraud alert received from my credit report per my free credit check with XXXX XXXX XXXX. 
XX/XX/XXXX new credit inquiry from CredcoXXXX XXXX ( Type of Industry : Bank Address : XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX Phone Number : ( XXXX ) XXXX ) XX/XX/XXXX - new credit inquiry from XXXX XXXX XXXX ( Type of Industry : Miscellaneous Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   CA XXXX Phone Number : ( undefined ) undefined ) I would like to report these two and flag them as credit inquiries I did not request as I do not remember or recall approving or requesting these credit inquiries.

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 2019-03-26
Company: Direct Recovery Services, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The Company is Direct Recovery Services and they are calling for my ex husband they had called multiple times and then sent me a text message to my phone that I did not authorize on XX/XX/XXXX telling me to call XXXX. I did call on XX/XX/XXXX at XXXX and the lady when I told her to not call my number anymore was rude and hu on me so I called back to make sure they do not call my phone anymore and the gentleman advised me he would do so. Then I got a phone call that afternoon from XXXX. I called back and the man stated it was a curtosy call to advise me my number had been removed and I shouldn't receive anymore calls. The phone calls did stop for a while and then I received 3 phone calls from XXXX one was on XX/XX/XXXX at XXXX XXXX and 2 calls on XX/XX/XXXX on was at XXXX XXXX and then XXXX XXXX. They left a voice mail on my phone stating it was ugent I get ahold of them as soon as possible. I called back on XX/XX/XXXX at XXXX XXXX and spoke with a lady who informed me my account was removed from the account on XXXX however they are still calling me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: CITIBANK, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I called XXXX XXXX XXXX credit card customer services regarding 2 fraudulent charges to my card made at the store Home Depot on XX/XX/XXXX ; one for {$520.00} in XXXX XXXX XXXX, FL at XXXX XXXX and another charge for {$99.00} in XXXX XXXX, FL at XXXX XXXX. The customer services department informed me that I will get the money back to my account in 48 hours, send me replacement card and report the case for investigation. 
On XX/XX/XXXX the credit was adjusted to my account and I received new credit card replacement. 
On XX/XX/XXXX I check my credit card balances on line and these 2 charges were back to my credit card. I called to the fraud investigation in very disrespectful way attitude the supervisor told me that I have to pay because my card was used and that card can not be cloned. 

I drove to the store and requested the receipts and immediate saw wrong card expiration date, and these purchasers were done when I was working. I have proof of that and early express that I was in possession of the credit card ( the card was not stolen or lost ) and is not joint card holder or authorized user. 

Today, XX/XX/XXXX I received a letter from XXXX XXXX XXXX, states that I will be responsible for these charges and if the minimum payment is not made will be reporter to XXXX, XXXX and XXXX XXXX. I have proof and support that I was working by the time of the charges and I have possession of the credit card. Also I mailed certified letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX with all the supports.

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 2019-03-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get PMI removed for the last 2 years. According to my Loan profile the only requirement is LTV of 80 %. I reached that 2 years ago. I have tried every year to get rid of it. Each year they give me a new set of requirements. No where on any documents that I have says Wells Fargo can require an appraisal or broker opinion by one of their affiliates for which I have to pay for. I have a credit history in the XXXX. I was a customer for this loan and others with Wells Fargo for years and never late on a single payments. You can go to low estimate on XXXX {$160000.00} and still have a LTV of 80 % or at XXXX comes in at a higher of {$170000.00}. I have asked repeatedly for the documentation that I signed at closing that states I agreed to pay for an appraisal or pay Wells Fargo affiliate for a Broker Opinion. They have for the 3rd year been unable to produce any documents that meet this requirement. However Wells Fargo will get rid of the PMI if I refinance with them, pay them for an appraisal, or pay them for a Broker Opinion.

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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
You are just as bad as Trans Union. I filed a complaintXXXX. You closed the complaint before Trans Union did anything. Then, Trans Union ignored the complaint and and did nothing. Trans Union is the only credit agency that will not close the XXXX XXXX account that has been discharged and closed in XXXX. My credit score continues to be not as good as it could be because Trans Union will not close the account. And CFPB has done nothing to help me. Thank you for nothing!

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 2018-04-28
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to 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 explanation
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2019, BANK OF AMERICA add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: CAVALRY INVESTMENTS, LLC
State: NV
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:
Repeated requests have been made to this agency to validate the alleged debt and each time they fail to respond and/or send fictitious, made up documents. Also, they make repeated calls to my personal phone, business phone and home address after being notified the alleged debt is in dispute and to cease and desist. They've completely disregarded my consumer rights, violated FDCPA and report false information to the credit bureaus in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase Banking XXXX XXXX, 2020 : Saving Account wiped of all money via charge description " Debit DDA -Check Charge '', type : misc. debit, for two separate amounts of {$120000.00} and {$82000.00}. Done by Chase Banking. 


XXXX XXXX, 2020 : Checking Account wiped of all money via charge description " Debit DDA - Check Charge '', type : Misc . debit, for 1 amount of {$7600.00}. Done by Chase Banking. 


-Both checking and savings have been closed down as of XX/XX/2020. 
XXXX XXXX, 2020 : Visited a local branch and served by branch assistant manager in locating the money and reinstating accounts. She has no idea where money is, assistant manager called Chase headquarters on my behalf, and they don't even know where the money is. No Cashiers Check can be confirmed sent out to me for all three amounts. Branch assistant manager has no idea if the money is being sent out to me, held by Chase, or in limbo for an unknown reason. I am getting the runaround by my local Chase branch. 


-I am now currently waiting for 5+ days to see if I am eligible and approved to be reinstated XXXX until XX/XX/2020 ), if approved they will only mail the {$82000.00} via cashiers check. The other amount of {$120000.00} and {$7600.00} they have no whereabouts.

-Every time I personally call Chase I am met with the initial representative, then they forward me to another department leaving me to wait over an hour before being automatically hung up on. It is impossible to reach anyone from a different department that may know the true wherabouts of my amounts via Chase hotlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Kriya Capital, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail yesterday addressed to my misspelled maiden name from Credence Resource Management , LLC regarding a XXXX XXXX  bill in the amount of {$560.00}. I called XXXX at XXXX on XX/XX/2019 lasting 16 minutes. I advised the female representative the account number on the letter and address and that my name is not correct and I do not have this account and would like a copy of the contract or proof that this is my account. I did not provide any additional information to verify this is my account and she gave me all of the account information and said I needed to pay this and that it was in fact my account. She gave me an email address that was different than the one I provided. I asked to speak to a supervisor. XXXX was the name of the supervisor that I advised I would not give my last 4 of social security number to and only provided the spelling of my correct maiden name and requested the contracted proof of ownership. I advised that I am disputing the debt and they did not follow the FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: AR
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:
Ive spent over XXXX on credit services to get this account removed. I filed a XXXX report and I cant get it removed. There is a ally finical thats reporting to XXXX and Ive disputed it so many times. Spoke with XXXX and no change. This is not my account and I would like this blocked and removed.spoke with manager XXXX no change and XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: AL
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:
I have sent 4 letters to Equifax asking them to validate a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. Next I will be filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2019, I applied for the XXXX XXXX XXXX credit card directly from the booking site for XXXX hotels, as I was paying for a reservation I was making. The offer specifically offered a XXXX XXXX point award after charging {$3000.00}. And this offer had been presented to me several times before I took it. The offer never varied during this XX/XX/2019 period that I booked on the site, which I done for several hotel stays during XXXX. 
The card is a Chase Bank card. The application was approved and I received the card in late XXXX and started using it. ... ..Since then, in the last week, I come to find out that they bait and switched me on the offer, with some extremely inferior offer, and one I had never even seen or heard of, that amounts to a mere 2 night stays. 

Because the offer was presented on the XXXX booking site ( XXXX ), my complaint is against both XXXX and Chase for fraudulently offering one promotion and then giving me an inferior promotion. When I complain to Chase to their email portal, they do nothing in response more than send a form letter response ( sorry for your inconvenience, etc.. ) It is obvious they don't even look into it. XXXX does not even bother to respond. 

There is much documentation out there that this was the going offer at the time of my application. I have already charged the {$3000.00} and lost the opportunities of other hotel reward programs. On a separate but related matter, I have struggled mightily to try to get my points for each and every stay at XXXX properties this year ( I have accrued 80+ stays in 2019 ). They make you jump through hoops when it is supposed to happen automatically. 

What I experience from these 2 companies is seemingly a combination of hubris, incompetence, gross negligence and ultimately fraud since they refuse to address the problems and don't seem to care at all about honoring their commitments. I also see that there are now blog sites devoted to XXXX 's grossly negligent handling of their rewards program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: JPMORGAN CHASE & CO.
State: UT
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:
Chase Mortgage is reporting late notations in XXXXand they must be removed. I recently looked at my credit and noticed these late notations still reporting which I was very confused. My account has been in deferment due to Covid so I was reassured that no late notations would be reporting. When I had first noticed the late notations I called and told them that my account was in deferment and no lates should be reporting. The rep then told me they would be removing the late notations but they are still there. This must be fixed immediately.

Company response to consumer: Closed with explanation