BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: AZ
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 did an investigation to show that the it is fraud. They sent a letter to all the credit bureaus, the other two credit bureaus have deleted this off of my credit. I called Experian and talked to XXXX, yesterday. He was very argumentative and would not allow me to talk to his supervisor until I pushed and pushed and pushed. 
This was disputed on XX/XX/XXXX, and XXXX XXXX sent a letter to me and all the credit bureaus on XX/XX/XXXX. I have uploaded the letter and submitted another dispute. 
I called XXXX XXXX and they told me they " could not help me, because they already did their job. ''

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 2020-05-14
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My Southwest Rewards credit card by Chase Bank was unilaterally cancelled by Chase without any prior notice, on XXXX. I found out when I was embarrassed by having my card declined at the grocery store. I called the company twice that same day, and was only told that the card was cancelled and would not be restored, yet they refused to explain why. I filed a complaint with the XXXX XXXX XXXX with the same results. All Chase would tell me is that the account was closed " because an affiliate is ending their banking relationship '' with me, apparently referring to something dating back to XXXX. I asked what " affiliate '' they were referring to, and what happened in XXXX. I have no idea what they are talking about, and they refused to provide any further information. I don't understand why they are afraid to do so. There were no late payments, and no payment was due at the time the card was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Webster Bank reports 120-180 days lates every month and this accounts date of last activity was XX/XX/2012. This is illegal to do and was never properly charged off or reported correctly. They have ignored my attempts at fixing this and we need you to hold them accountable for their FCRA violations. See attached screenshot

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX 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 corrected : XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX Balance : {$28000.00} - Late open XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX XXXX : {$28000.00} - Late open

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 2021-01-26
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: Was not notified of investigation status or results

Complaint:
Ive sent this company numerous request to provide verifiable proof for both XXXX XXXX XXXX  accounts. The failed to comply. Ive even sent them proof that the account doesnt belong to me and that XXXX  has already removed it and they continued to send it back as verified with no proof.

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 2017-08-05
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: NJ
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: Problem with personal statement of dispute

Complaint:
Hi I was billed around XXXX XXXX for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was XXXX XXXX in NJ, XXXX . This was on XXXX 2015, I agreed onto a payment plan, then it was given to collection agency. The agency sued me and caused major dip into my credit history. I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country. Please let me know how you can help me and I want to pay this amount. Please help me to restore my credit rating. All my mortgages, credit card payments, bill payments are in time. In last 7 years I have never faced such issue, please check my credit history. The Collection agency is Celentano, Stadtmauer and Walentowicz, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Experian Information Solutions 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 have submitted documentation to the three credit bureaus to correct the information that is reported to my credit file. The information state there is a high balance on this particular account when this account was paid in full ; After three separate attempts this account was eventually updated and deleted from the to credit bureaus XXXX  and XXXX. Unfortunately this account is continuously reported to Experian showing a high balance which in the account was paid in full. I request that this account to be verified of this amount or deleted immediately. And if this account is indeed verfied of this amount I request the original signed contract of this documentation with my original signature stating that I owe the additional amount. If There's no additional amount owed I request that this information to be deleted from my credit report immediately corresponding with the deletions that XXXX  and XXXX made.

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 2020-05-14
Company: RoundPoint Mortgage Servicing LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Payoff was issued to mortgage carrier RoundPoint on XX/XX/2020 in the amount of {$110000.00}. On XX/XX/2020 RoundPoint took out {$880.00} and applied to our escrow account, now totaling {$1200.00}. 

Contacted and was informed the {$880.00} was added to escrow after payoff was received, and in closing the account a check would be issued in 20 days in the amount of {$1200.00}.

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 2020-12-11
Company: Gordon, Aylworth & Tami, P.C.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling from multiple nuumber trying to use same city area code. Willing to submit call logs. Causing me to have to go to see my XXXX XXXX XXXX. Threatening to sue me

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Citi checking illegally charging me fees even when my balance was always more than their minimum requirement

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 2021-01-26
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my property from Bank of the West to XXXX XXXX, during this process, taxes were due, to be paid out of my escrow account. Bank of the west paid my taxes late which occurred late charges, I was never notified that taxes were not going to be paid on time. I spoke with Bank of the West, they told me that a letter should have been sent out, I never received a letter and requested proof of the letter sent, after a day they emailed me back and informed me that they never sent me a letter. I have repeatedly tried to find out whether they were going to credit my escrow account, but now i can not get a response. I should have the right to pay my taxes on time and avoid late fees, Bank of the West never gave me the opportunity and therefore took it upon themselves to spend my hard earned money.

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 2020-05-29
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:
I opened a new Citi Premier credit card in XXXX under a promotion that stated : " Earn XXXX Bonus Points after making {$4000.00} in purchases with your card within the first 3 months of account opening. XXXX Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+SM , Citi ThankYou Preferred, Citi ThankYou Premier/Citi PremierSM or Citi Prestige, or if you have closed any of these accounts, in the past 24 months. '' 1. I made {$4000.00} in purchases in the first 3 months. 

2. I did NOT receive a new card member bonus on the Rewards+, Preferred, Premier, or Prestige in the past 24 months. 

3. I did NOT close an of those account in the past 24 months.

4. It has been over 90 days and the points were not posted to my account. 

I contacted citibank, they stated " special offers aren't available with an existing account in the same product has been approved or closed within 24 months '' Those terms are not listed anywhere on the account application, new terms can not be applied after the fact.

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 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Inquiries that have no permissible purpose to appear on my credit report FDCommunity XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I'VE CONTACTED EACH COMPANY AND THE XXXX, XXXX  XXXX TRANSUNION AND ASK FOR PROOF THAT I CONSENTED TO THIS INQUIRIES WELL AS THE ACCURACY OF THESE INQUIRES AND I SENT BACK AND FORTH IM NOW REQUESTING DELETION

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 2018-03-31
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Two issues with Conduent, but they both apply generally to all student loan servicing companies.

I pay my loans, more than is needed. No problem there.

My issues are what the servicing companies are allowed to do : ( 1 ) Unilaterally changing service providers. This happens often and fundamentally affects my ability to communicate with the servicing agency and keep track of balances. Can I unilaterally give my debt obligations to someone else that may or may not pay, the way the servicing companies are allowed to shuffle loans around at will? I didn't think so.

( 2 ) The " TO PAY OFF YOUR ENTIRE LOAN '' amount placed on loans. Good through some imaginary 10 day time period. This is a complete fiction. No one mails in payments and if someone did and the USPS delayed delivery the servicing company would tack on more interest. Right now my loan says to pay it off I need to add XXXX   dollars worth of interest. But if I click on the interest accumulated today there is only one dollar of interest. This is a complete scam to trick people into overpaying. Is anyone monitoring the amounts of interest overpayment when people make one time payoffs? Small fractions are easily millions of dollars. The servicing companies should be required to list a " PAY IT TODAY '' amount. I am shocked this system has been in place for so long when today the internet alllows simple same day payments which I would guess accounts for >95 % of all payments processed by Conduent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: NCC Business Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived at XXXX XXXX in XXXX, my lease was up and I vacated in XXXX. After leaving the apartment complex thought I had signed a 13 month lease and tried to charge me for additional rent. After collecting paperwork and meeting with them I was able to resolve that I indeed had a 12 month lease and had not violated any terms. I left thinking the issue was resolved. Apparently I still owned {$79.00} in cleaning fees. Which I was not notified of until XX/XX/XXXX. Once I was made aware I immediately paid the amount and have receipts and bank statements to prove this. However NCC business decided to claim that the amount owed was in collections. They contacted me several times to try and collect the money that I had already directly paid to XXXX XXXX. I told NCC I would not pay them because the amount was already settled. NCC refused to contact XXXX XXXX to verify this information and continued to claim it was in collections. I sent them documentation repeatedly that this was paid for. I thought the issue resolved since I had paid in XXXX. Now inXXXX I was purchasing a home and my credit was reviewed. My loan agent brought to my attention that the {$79.00} was still considered to be in collections. I sent a dispute and evidence to NCC and demand that they remove it. They refused for months. Because I had to close on my loan or risk losing the house my lawyer advised me to remove the dispute and wait a year until my loan settles and my credit is safe to dispute again. Now unfortunately my loan rate was severely affected by NCC claim that I had debt. In fact my credit has been affected since XXXX because they lied about me not paying the debt. I reached out to them a year later when my loan was settled and my credit safe as my lawyer suggested. I have sent documentation over and over again to NCC to prove I paid in XXXX. They refuse to make any changes or compensation for my time, hassle, affected credit, and negligence on their behalf. This could have been resolved in XXXX. Instead its continuing to affect me 6 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
I purchased two cashiers checks in XXXX of 2014 in the amount of XXXX each from CHASE bank in Florida.. The checks state Void after 7 years directly on them. On XX/XX/XXXX I attempted to deposit these checks into my XXXX account and within a week I received a letter that Chase stale dated the checks, although it has not been 7 years. The legal copies of the checks were also sent in the letter. I went into the Chase branch and spoke with XXXX XXXX XXXX at the XXXX Branch who can be reached at XXXX who indicated he could not cash the checks for me because Chase released the funds to Ohio where I never resided. He could not tell me why Chase released my funds even though the checks state Void after 7 years and it has only been 6. He indicated that he would escalate the complaint to a different office in attempts to get permission to reissue the checks because Ohio does not have record of my funds. Once escalated to a Chase representative complaint specialist I heard from a XXXX XXXX who told me over the phone she would attempt to have the compliant resolved in one week in attempts to reissue the checks .In attempts to call back for information it was discovered that you can not reach this person directly. You have to leave a message on a main message line at XXXX extension XXXX and wait for them to call back which is difficult when working all day. Today, after giving this bank one month to fix this problem XXXX from the branch indicated that he received an email from XXXX that my checks could not be reissued the money has been released to Ohio. Ohio however ; has no record of my funds I have been going through this for over a month with numerous calls made to XXXX in the Florida XXXX in Florida and XXXX in the complaint escalation department. The checks clearly state Void after 7 years and Chase on their own website state that before they send money to unclaimed funds they will make attempts to reach you and send the money to Florida unclaimed funds, not Ohio. They state that it would be sent to the state the consumer resides. I feel the bank should reissue the checks as the money came out of my own account, the checks state void after 7 years and I have been a Chase customer for 20 years and still remain their customer. They could have contacted me as it states on their website and they did not. I feel they are not taking this problem seriously, they continue to bounce me back and fourth to different representatives and nothing has been resolved. During this process I also was in contact with XXXX XXXX who submitted a written compliant for me who can be reached at XXXX in which I never heard anything back but her and her boss indicated that they had never seen this before. I am not understanding why a check would state void after 7 years if it is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called XXXX XXXX XXXX customer service asking for COVID-19 relief since my finances were impacted due to reduced hours at work. 

Unfortunately, a customer representative named XXXX told me that unfortunately the credit card issuer is not offering any kind of relief. 

This is embarrasing, as I didn't ask my employer to cut my hours. Synchrony is putting their interests and greediness first before their customers. It is disrespectful in the middle of a pandemic.

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 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit report states negative items due to credit inquiry. No credit inquiries are listed. Credit report states 21 % of credit is being used. This is incorrect. 
This changed my credit by 50 points, knocking it down a full level. All the errors are inside the actual credit bureaus, as their report do not actually have any details to confirm their supposed negative items. Their error-correcting webpages don't seem to have a way to correct ghost errors.

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 2018-10-03
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have send all 3 credit bureaus letters to remove inquires which I do not recognized. None are from companies or businesses I deal with. I also have place a freeze on my account to prevent unauthorized inquires. They have ignore all 4 times I have send a request. 

Here are tracking for all the mail I sent plus others which I just put a postage stamp XXXX XXXX XXXX XXXX XXXX XXXX They need to remove those inquires as requested from all 3 credit reporting agencies. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I have also mail the names of those who placed the inquires with to no avail

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