BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
When I was sick with XXXX in the middle of the pandemic last year, and behind on my payments, PNC Bank repossessed and sold my commercial truck in clear violation of Georgia law OCGA, part 10-1-36 ( b ) that forbids them from selling the vehicle out of the county in which it was purchased, serviced, or repossessed. They were put on notice after the repossession that Georgia law required them to sell the vehicle at public auction in the county in which it was purchased, serviced, or repossessed. My every attempt to notify them of this by certified mail as well as telephone correspondence went completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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:
I have called XXXX multiple times to report correctly and erase my balance. I paid it off in XXXX and it keeps reporting I havent paid. They say they will fix it, but I havent seen a change. I asked XXXX to fix the report and they just disputed it again! I have disputed and called multiple times throughout the past 5 months with no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: CA
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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XX/XX/XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-04-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX check # XXXX amount is XXXX, checked cashed by fraud, my XXXX says they donot receive the check, and their bank is XXXX XXXX XXXXXXXX, someone from XXXX XXXXXXXX XXXX they cashed the check without endorsement as well, we filed a claim to chase bank and also reported to police we submit all the info to chase bank, and around 8 month later, they reply me on XX/XX/XXXX says cause the XXXX XXXX didnot reply back to them, they close my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: CITIBANK, N.A.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
on XX/XX/XXXX at XXXX XXXX I ( XXXX XXXX ) received on my cell phone a call from XXXX ( which is a local call out of XXXX XXXX, OK ). The recording stated " there is a complaint against you and we want to rectify the complaint, please press 1 to take care of the complaint before it goes any further. 
I pressed 1, then a lady came on the phone and asked for XXXX XXXX ( which is my husband ) she stated there was a collection from City Bank  that has gone into collection ( this has nothing to do with a complaint ) it was a collection call. This was very misleading. I know my husband has not had a citi bank credit card since XX/XX/XXXX. she stated the last payment that as made was in XX/XX/XXXX, which I know is incorrect, because he was very ill then and was not taking care of his debts, he has XXXX and has not control over any credit cards. I myself filed bk on all the credit cards in XX/XX/XXXX. And all the credit cards were destroyed in XX/XX/XXXX. No additional payments were made on the card by him I know and I had not paid any payments on the account. I ask for proof that the card had payments on it and she just stated that she was going to collect on this debt and she would damage his credit and sue or we would have to provide her information on our property. First off the call was misleading stating there was a complaint, 2nd she had no business talking to me about his debt when I was not on the card and I advised her he was in a XXXX XXXX ( he is XXXX yrs old ) she would not provide me with any documentation, claim number or their address. She just made threats and stated she would be collecting on this account, I stated Good Luck and she hung up.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, 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. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. 

Account Name : XXXX Account # XXXX. 
Account Name : XXXX. XXXX, XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX. Has violated my rights. 
15 U.S.C 1618 section 602A. States I have the right to privacy.

15 U.SC 1618 Section 604A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1618s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
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:
XXXX XXXX #XXXX was included in my bankruptcy. However they are currently updating and showing a balance and this is negatively effecting my credit. It should not be updating and reporting lates when it was included in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: SYNCHRONY FINANCIAL
State: NY
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:
Banana Republic Credit Card managed by Synchrony Bank advertised the following regarding disputing a claim:"We'll investigate and respond within two billing cycles.Within 2 Billing CyclesOnce we receive the completed form we will conduct the investigation and will provide you with a response as soon as possible, but no later than two full billing cycles from the date of your inquiry."Mid-XX/XX/2019 I submitted a claim to Synchrony Bank to dispute a recurring charge which was not authorized by me.  I requested these charges to be credited and disputed being as the merchant could not be reached directly to dispute the charge.  Synchrony Bank opened a claim and advised that it would take "60-90 days" to resolve and see a credit on my account, already false and misleading as their website states cases are resolved in no more than 60 days.While the matter was being reviewed by the bank, I was able to reach the merchant and arrange to return any items that were shipped, unused, and clear any liability with the company.  When speaking to the merchant on the phone they stated they would issue a credit to the account, but because I had disputed it directly with the credit card company they advised that the charges would be reversed by the company within the stated time.XX/XX/2019, after nearly 90 days from the time of filing I reached out to Synchrony Bank to request a status update and they advised they are unaware why the claim has not yet been resolved and would issue a request to follow-up and have someone call me.XX/XX/2019 I called Synchrony Bank again to check on the status of the claim and advised they have no apparent reason why the claim remains unresolved.  Reps advised they will issue another claim request and it should take another 60 days to resolve.  In the meantime, they did not credit my account, as their website states they would, continue to charge me interest on the purchase, and falsely advertise that disputes are resolved in "no later than two billing cycles."Synchrony Bank FALSELY ADVERTISES HOW THEY HANDLE DISPUTED CHARGES, FALSELY ADVERTISES THE MAXIMUM TIME WITHIN WHICH THEY RESOLVE DISPUTES, AND FRAUDULENTLY CONTINUES TO CHARGE INTEREST ON DISPUTED CHARGES.

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 2019-06-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I REQUESTED MY MORTGAGE STATEMENTS FROM XX/XX/XXXX THRU XX/XX/XXXX, SINCE I'VE NEVER RECEIVED THEM, ON XX/XX/XXXX. I'VE RECEIVED NO RESPONSE REGUARDING THIS MATTER. SEREUS/MR COOPER HAVE ADEQUATE TIME TO SEND MY REQUESTED MORTGAGE STATEMENTS. BY LAW I'M ENTITLED TO THESE STATEMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay G.L.A. Collection Company, Incorporated,  which XXXX reports negatively that I owe this company. There is no contract. This debt is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I am NOT receiving paper statements and there is fluctuating daily balances that are inconsistent with my purchases. My account balance its too high. 

-I suspect I am being billed twice for items -my HIGH monthly auto payment seems to be going missing. 
-Items that have been returned to XXXX XXXX ( which should have been credited to the account as request ) are being applied to the XXXX account as gift cards. 
While my balance remains inconsistent. 

I have expressed my concerns of website content not being delivered correctly ( because of the CDNs ) to the appropriate agencies, and I believe this may be related to the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
home depot credit service refuses to credit payment from account money debited from bank account refuse to answer repeated calls inquires home depot is a bad faith credit and sales company they also dely credit reporting by months at a time

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 2019-08-23
Company: CITIBANK, N.A.
State: VA
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:
On XX/XX/XXXX, I called Citibank for fill disputes ( 10 ) ( 1 ) XXXX/19 {$1200.00} ( 2 ) XXXX/19 {$3300.00} ( 3 ) XXXX/19   {$3300.00} ( 4 ) XXXX19 {$4500.00} ( 5 ) XXXX/19 {$550.00} ( 6 ) XXXX/19 {$5000.00} ( 7 ) XXXX/19 {$2700.00} ( 8 ) XXXX/19 {$5000.00} ( 9 ) XXXX/19 {$3300.00} ( 10 ) XXXX/19 {$1600.00} totals : {$30000.00}

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 2022-05-02
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX XXXX OF XXXX XXXX I am a victim of identity theft and these accounts DONOT belong to me nor did I authorize anyone to. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
State: OH
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:
On the date of XX/XX/2018 I sent a certified letter requesting Equifax to investigate the accounts that were appearing on my credit report and to send me proof and original signed contract with my signature on it using Section 609 ( a ) ( 1 ) ( A ) which they are required by federal law to show proof that the debt is valid and they have not been able to prove this information. I have also sent a second letter on XX/XX/2018 requesting a second time for Equifax to remove student loans that are appearing on my credit report and I have disputed them as fraud and have submitted a FTC fraud form along with 2 police reports stating that these accounts are fraud and that they should be removed due to fraud and that the company XXXX can not produce an original signed document with my signature. I am requesting assistance with this issue I have also sent them a copy of my XXXX report that shows that theses accounts have been deleted due to the fact that these companies did not verify with XXXX that these accounts were valid, however Equifax has continued to state that these accounts have been verified but has not submitted proof. I am prepared to move forward with legal action with guidance from your office if that is an option for me. I am attaching documents that support my claim. Two notarized disputes letters, Copy of deleted accounts that I have disputed with XXXX, Certified mail receipts to Equifax, Two policed reports for identity theft, and the FTC Identity theft report. 

I thank you in advance for your effort and attention XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I initiated a domestic wire transfer on XX/XX/2023. Chase called me on XX/XX/2023 to confirm and approve the wire. The wire still has not been sent out as of XX/XX/2023. I have called them numerous times and I keep getting the same answer. They still have not sent my wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: ROCKY MOUNTAIN MORTGAGE COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Rocky mortgage has made my home buying experience the most miserable thing on the planet. Getting updates from them is like pulling teeth, XXXX seems annoyed when he has to answer the phone to do his job and update you since he never once reached out voluntarily. Both him and XXXX  avoid phone calls, texts, voice mails and emails. Since day 1 we let them know that we needed guidance every step of the process since we are first time buyers, however, something so simple as returning a phone call seems like an impossible task for them. Our original closing date was scheduled for XXXX, it is now XXXX and I do not have keys to my home. XXXX and his team have failed as professionals in the mortgage industry. Maybe they need to get re-certified as he claims that the reason he missed the fact that he needed our XXXX tax returns is because he doesn’t really deal with DP assistance programs too much… is that my fault? No, this caused an extra day of delay on closing, now bringing the day to XXXX.He also claimed that on XXXX the day I was supposed to get closing disclosures an XXXX collection account made it’s way on to my report , delaying closing 2 weeks. Mind you, I spoke to him XXXX   and he didn’t mention this until XXXX. 2 days away from my original closing date. After doing everything he had asked for , we finally got final approval. But just like I imagined, this seemed to good to be true, after being asked  to sign and send our closing disclosures to someone by the name of XXXX, on XXXX- once again, we complied; come Friday XXXX at XXXX XXXX. we get a phone call ,only to be told, that yet another incompetent rocky employee, didn’t get the CD’s to whoever they needed to go. Today XXXX I am being told that rocky again, failed to request termite inspection from the seller since day one, something they were fully aware of when they received our executed contract…. strongly urge you to do some research before deciding to work with this joke of a company, as they seem so adamant on making home buying a dreadful experience.Home buying shouldn’t feel like a torturous nightmare, but rocky has made it just that and more..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived in my home for over 6 years I lived in ( Maryland ) all my life and someone used my information to get a apartment in another state I called and the person live in a different address..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CITIBANK, N.A.
State: PA
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:
I received the letter Citi Reference Number : XXXX. They did not answer my questions, and have presented more questions. 
First, this is not about my account XXXX. This is about my now closed account XXXX. 
Second, Citi did not answer my question - Please tell me which of these refunds are accurate : ( 1 ) {$1.00} Recon ID # XXXX ( 2 ) {$38.00} Recon ID # XXXX ( 3 ) {$39.00} Recon ID # XXXX ( 4 ) {$39.00} Recon ID # XXXX ( 5 ) {$39.00} Recon ID # XXXX ( 6 ) {$39.00} Recon ID # XXXX Third, I have no idea what Citi is talking about when they say " A letter was sent dated XX/XX/XXXX, which requested that you provide a copy of a credit slip or written confirmation of credit from the merchant. Because this requested documentation has not been received, the conditional credit was reversed. '' I never received any letter. And why would Citi need a confirmation of credit from XXXX - if I'd received a credit I wouldn't be disputing the charge. Fourth, Citi please explain what you mean by " Citi would like to remind you that federal regulations may require us to report your
account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement. '' My Citi credit card is automatically paid in full
every month from my XXXX XXXX account, and I have not refused to pay any amounts. Has Citi not received my payment?

Fifth, I don't know what Citi means by " Because you disagree with the resolution of your disputes, we will request the reporting agencies add a note to your credit profile stating that the information is disputed by the consumer. This will remain in place until your
outstanding account balance is paid in full. '' I do NOT give Citi permission to place any such note on my account.
Sixth, Citi still hasn't sent me a pdf of my final XXXX bill. It is pathetically ridiculous that Citi attached all my credit card statements from XXXX - XXXX! - but did not provide the final credit card bill for 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