BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The checking account in reference is # XXXX and the problem began opening a checking account with direct deposit at the XXXX XXXX, NJ branch office of Chase. I had received an advertisement in the mail that stated if I opened a checking account at a branch with direct deposit, they will provide a {$300.00} bonus. So I opened the checking account at the referenced branch, showed the representative the advertisement, and he told me that the direct deposit has to kick in and then I will get the {$300.00} bonus. I went back after 3 months and asked them why I didn't get the funds, and they had no idea what I was talking about. This is false advertising and in violation of federal regulations. They should reimburse me for the funds they stated I was supposed to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: SYNCHRONY FINANCIAL
State: TX
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:
On XX/XX/2023, per the FCRA, I notified PayPal Credit that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .

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 2023-07-05
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I bought a mattress at a promotional rate of 0 % interest from JC Penney. My first payment was {$500.00} to assure I paid it off before my promo rate expires. I pay $ XXXX and have never missed a payment. I made a purchase for {$96.00} on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I paid {$27.00} each time to cover the {$54.00} to take care of the promotional balance and meet my existing commitment. On XX/XX/XXXX I paid XXXX to pay off my non promo balance to make sure I dont get charged interest : I even called to make sure funds were allocated appropriately and JC Penney refuses to allocate money to the non promo balance. All money I send to them goes to my 0 % promotional balance so they can collect finance charges. They sent me a letter saying this is in violation of federal regulations but they wont fix the issue. they continue to charge me finance charges and my non promo balance is only going up not going down. Please help me resolve this issue as if they wont let me pay off this non promo balance it will only balloon in interest 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 monetary relief
Consumer complaint received 2020-02-20
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company with the caller ID XXXX XXXX keeps calling me at all hours of the day and after blocking the number, continues to harass me with different phone numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I obtained my mortgage from Huntington Bank, I was first told by the mortgage officer, XXXX XXXX XXXX, that there would not be private mortgage insurance. Further into the loan process he said that the appraisal did not come back high enough so I would have to pay private mortgage insurance. I inquired with him as to when I would be able to have that private mortgage insurance payment removed. He told me once I got the loan under {$100000.00} I just needed to request it and they would remove the private mortgage insurance. I have paid for XXXX  years and got the mortgage under {$100000.00} and requested it. I was told they would not remove it. When I inquired with the company they told me I needed to contact XXXX XXXX XXXX to have it removed. 
When I inquire with XXXX XXXX, he has emailed me back and told me that the rules have changed since I signed my mortgage with them. 
How can they change the rules after the fact? I feel they are being very deceptive and continue to collect private mortgage insurance for me even though I followed exactly what they told me I needed to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/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 2017-04-30
Company: EQUIFAX, INC.
State: MI
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:
On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  inputted a credit inquiry on my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Exeter Finance Corp.
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:
This company has charged off the original balance of the vehicle of {$27000.00} but yet reporting a past due balance of {$4100.00}. Every month this company is reporting a balance to my credit report of {$4100.00} to a charged off account. I would like the also like the original contract that I signed with this company that is reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a request to Penny mac in XXXX for a loan modification. This was my first attempt at loss mit and I had a period of unemployment before I started a new job. They immediately denied me for not being eligible until the I had the loan at least 12 months. I called them and they told me to reapply after XX/XX/18. I submitted a request towards the end of last month and they sent me a letter stating they were reviewing it and would reach out for any additional items needed. This is my first home, my first eligible attempt at a loan mod, and my loan was not yet in FCL. XX/XX/18 they sent me a letter with the same denial reason but I have had my loan more than a year and I was following their guidance they gave me in XXXX. I also just received a FCL notice from an attorney dated XX/XX/18 stating my home is now in FCL. It seems like they gave me wrong information in order to put me in a position where they can FCL on my home. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason. They accused me of selling drugs. Are they real? accusing me for something which i did not do. They don't even gave clear evidences for that. And now they will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital one sent a email stating they closed my account on XX/XX/2023 all because I exercised my FDIC reg e rights and filed a dispute, they also stated I would have no use of my funds and have to wait 45 days for claim to complete. I sent a complaint to their complaint email on XX/XX/2023 expressing my concern that my right address needs to be confirmed Incase of a check sent due to severe financial hardship Caused by the dispute process and me living couch to couch not being able to afford my rent because I had no access to my funds. 47 days passed since I sent a complaint which I received a confirmation email and they failed to respond or even send me any type of email updating me on dispute process which at this point 45 days has well passed since I filed dispute. I called on XX/XX/2023 to get an update I was informed that all my claims were approved and that a check was processed on XX/XX/2023 and I should wait until 7-10 business days from that date and I then expressed that any day I will no longer be at the address they had because I was moving and the representative stated if you don't receive your check just call us back so on XX/XX/2023 I called and spoke with a manager stating I did not receive my check and that I changed my address she then proceeds to tell me that i may have to wait 90 days!! to receive a new!!! check and I'm just going to leave it at that! I have already been waiting 60 days for my funds that I was suppose to have access to anyway during the dispute process and you mean to tell me due to capital ones negligence and sending a cashier check with no tracking or confirmation of address and for them to know what could happen if check is not received I will possibly have to wait another 90 days which will equal out to almost half a year all from me exercising my rights! No way!! if I do not receive a replacement check within this next week I will be homeless and left with no choice but to take legal actions I have tried to reconcile with capital one multiple times and they just seem to not care about their customers so maybe their regulator has some sense and will step in and put them back on probation!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2020-02-20
Company: Global Lending Services LLC
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: Information belongs to someone else

Complaint:
Global Lending Service # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: CITIBANK, N.A.
State: CA
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:
XXXX sent me two promotional offers for the XXXX XXXX XXXX XXXX cards that I have that were recently forced to convert from XXXX XXXX cards. The offers state that I would earn a {$50.00} statement credit for each after spending {$500.00}. However, XXXX did not send me the XXXX cards when they said they would, and therefore I requested they send me the cards and that somehow changed my account number and they are now saying that the promotion will no longer apply.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reached out to all XXXX credit bureaus : XXXX, XXXX, and TransUnion an regards to hard inquiries and late payments that reported to my credit report UNAUTHORIZED, NO WRITTEN CONSENT an other words NO CONSENT IS IDENTIFY THEFT. I have sent Federal Trade Commission ( FTC ) Identify Theft report via certified mail an order to track its deliverance to each credit bureau because its vital to me to have these items removed from my credit report. I did follow up calls and was given false information from XXXX that they didnt receive the letter but I have proof from tracking the letter. XXXX only removed selected items and TransUnion refusing to remove items.

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 2017-12-15
Company: The CBE Group, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving several phone calls over the last two weeks, or so, by an agency that refuses to identify themselves or the purpose of the phone call. I 've answered or returned the phone call on every occasion that they have attempted to contacted me. Today marks roughly the 4th or 5th time they have tried to make contact with me. 

Each time the conversation starts by giving a disclosure that the phone call may be recorded. They ask for me by name and once I confirm that it is in fact who they are speaking with, they proceed into verifying my personal identifiable information. At this point, I always ask who I am speaking with, what the matter is regarding and what the reason for the phone call is. Every time I ask these questions, they respond that it 's concerning a personal matter and that they can only talk to me once they have done their identification process. I have told them every single time they call that I would be happy to confirm my identity if they can answer simple questions about the purpose of the phone call. 

The first few times, they attempted to verify an address that is very dated. The second time they attempted to verify information with my date of birth. The last few times they have attempted to verify me with the last four numbers of my social security number. In any case, they are pushy, persistent and are progressively more rude with each phone call. The last conversation that took place today ( XXXX/XXXX/XXXX ) I told them to stop calling me because I had no business with them if they ca n't tell me who they are. The representative finally identified herself as being part of the CBE Group. I did a quick XXXX search while on the phone and I told them that I had no business with them unless they can identify the reason why they are contacting me. Representative was rude and said that she was trying to resolve a personal matter that relates to me. Vague as it is, I refuse to confirm my identity with someone that ca n't even identify what they are calling about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: MoneyLion Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid in full a loan with MoneyLion that was past due. I waited for report to update with correct information but did not so I summited disputes instead of updating correctly it came back everything was accurate which it was not. It still shows its past due with balance. I contact company and submitted information with credit dept via a form. They came back saying it paid in full and show correctly on the report has of XX/XX/08 which its not.

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 2022-12-08
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Information belongs to someone else

Complaint:
IMY INFORMATION WAS USED WITHOUT MY KNOWLEDGE. I AM A VICTIM OF IDENTITY THEFT. I HAVE CALLED AND FOLLOWED UP WITH THIS COMPANY MANY TIMES TO HAVE THEM REMOVE THIS FRAUDULENT ACCOUNT. THEY CONFIRMED A XXXX BALANCE. PLEASE ASSIST ME TO HAVE THIS FRAUDULENT ACCOUNTS REMOVE FROM MY. CREDIT REPORT. THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on or about XX/XX/2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been months and I have not received a formal written response back from XXXX, TransUnion or XXXX  about my disputes. However, I know that all three bureaus received my request because I tracked my letters using certified mail.

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