BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I deposited 2 checks at Citi Bank totaling {$320000.00}. After 4 days my funds were still not available in my account. I phoned Citi Bank to find out why and was informed that the funds were flagged for fraud and they required more information. They requested the phone number associated with the maker of the checks. I provided them with the information but they told me that those weren't the phone numbers they found in their database associated to the business that wrote the checks. I spoke with the maker of the check and they confirmed I provided the correct number. Citi won't tell me what phone number they are trying to call and that is the only number they will use even though it is nearly not the correct number. I requested the funds be returned to the maker but they refused to do that as well and said they will hold the funds indefinitely until they can get in contact with the maker of the check through the number they have on file. This has been going on for 3 weeks and they still won't release or return the funds.

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX, TransUnion, & XXXX will not mail me a file disclosure of my credit report. After forwarding certified letters over the past several months, I am being rejected to view my 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 non-monetary relief
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many inaccurate accounts appeared in my report. And I have already files the proper documentation for these accounts and have sent it to the bureaus but they did not correct them. Kindy see attached documents for these account I am complaining.

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 2017-10-28
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I purchased my vehicle XX/XX/XXXX at XXXX XXXX I was told by the sales guy that after a year I would be able to trade my vehicle in if I paid my payments on time in which I have never missed a payment. I decided to go to XXXX XXXX XX/XX/XXXX to trade my current vehicle in for a new car. The sales guy told me that the person that sold me the car was just saying that and its not completely true. I have been paying my car note on time with no issues at all and was denied as they told me car is too low which is not true. This program the Fresh Start Program is  misleading and takes affect on me as the XXXX XXXX has ran my credit to basically waste my time. Not only does this steer me away from doing future business with XXXX XXXX but this takes affect on my credit as well. I was even told by the agent that after a year XXXX XXXX was to transfer my loan to actual bank since I have paid on time and none of this has been done. XXXX XXXX really scammed me into something that I am stuck in and wasted my time as well. Coming from an on time paying customer

Company response to consumer: Untimely response
Consumer complaint received 2020-11-10
Company: SYNCHRONY FINANCIAL
State: TN
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 the primary person responsible for paying my Lowe 's credit card issued by Synchronicity bank. My husband, a XXXX XXXX, is an authorized user of the card. We just bought a house and we're buying things to fix it up. I've never missed a payment or been late with a payment EVER. Lowe 's Credit Collections Dept has inaccurately and inappropriately reported a reduced credit score to XXXX  because our promotional balance ( 12 months to pay off ) is now {$6500.00}. I'm not delinquent and I alone am responsible for paying the bill, which is current. There is no justifiable reason for Lowe 's to report negative, inaccurate information to any credit bureau for my financial obligations. I've contacted the Lowe 's Corporate Customer Service Office and filed a complaint and the Credit Collections Dept, as has my husband, who has also contacted Synchronicity Bank. XXXX, in the Credit Collections Dept ( a supervisor ) said no one has written a policy that would direct his dept to do such a thing and there is no one I can discuss the issue with to get it resolved. Someone wrote this policy, or this would not be happening. Lowe 's is discriminating against my XXXX husband and reporting inaccurate data. The Credit Collections person my husband spoke with told him he needs to pay the bill and his credit would be restored. We are using their promotional balance program to pay it within 12 months. If Lowe 's doesn't want people to use these programs, why are they offered??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or about XX/XX/XXXX I received a XXXX XXXX credit card in the mail from XXXX XXXX. I had not applied for this card. I immediately cancelled the card, filed an identity theft claim with the FTC and froze my credit. I sent written confirmation to XXXX XXXX XXXX as instructed by the FTC, actually using the letter they provided. I received a letter yesterday ( XX/XX/XXXX ) stating that my claim of identity theft with that account had been denied and I would be responsible for the charges which are {$1100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions 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:
A hard inquiry was made by XXXX  XXXX XXXX on XX/XX/2022 that was not requested by me and it is now showing on my credit report. The bank said that no card was issued so that they couldn't doing anything else on their end and suggested I work with the credit reporting agency. I am working with the credit reporting agency to get the inquiry removed but they said I would need a confirmation that I have filed a formal complaint with the government in order to ensure that this gets resolved.

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 2021-05-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX XXXX, & Equifax will not mail me a file disclosure of my credit report. After forwarding certified letters over the past several months, I am being rejected to view my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX had reissued a student loan listen to be completely fabricatedStory that they would consolidate the other loans with it so I could then return to school. Otherwise there would be XXXX, exactly XXXX reason to sign paperwork on a loan more than XXXX XXXX XXXX. There should be no negative reporting from this loan as it is in the first place originated from XXXX XXXX XXXX  University nearly 24 years ago. If they would like to attest to the validity then there is no way that they should be Mark and me late during XXXX at the beginning of a pandemic when the president himself said that school loans would be put off till the end of the pandemic however XXXX seems to think that students should suffer during these times and wishes to disobey law. XXXX of 2020 what is the beginning of when this country realized we were in trouble and businesses begin to lay off people including my business.

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 2021-05-12
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2019 I lost my employment and then my home was adversely effected by a sink hole on my property. The sink hole damaged my well and I had no water. I had to fix the well and plumbing situation with my own funds as insurance would not pay. I fell behind on my mortgage. Then XX/XX/XXXX hit and I was again out of work and my boyfriend who also lives in the home lost hours and was not reimbursed. I called my lender and went onto the forbearance plan under CARES. I then contracted XX/XX/XXXX and have a XXXX XXXX XXXX of XXXX. I became very sick and ended up in the XXXX XX/XX/XXXX. I was there for over a month and am still dealing with long term effects from XXXX. I read online that XXXX XXXX was extending the forbearance another 6 months for those of us still being effected. I called Mr. Cooper and was told they would not extend my forbearance. I am still too ill to work and need the additional time. I am coming to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was looking at my credit report a few years back and saw a collection account that I was not aware of. I also started getting calls from this entity, sometimes 10 calls a day. I told them I didnt recognize this debt and I already disputed it through all of the credit reporting agencies. They said that I owe the debt and still continue to call several times a day. I have no idea what this is for and told them so.

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 2017-10-28
Company: JPMORGAN CHASE & CO.
State: NJ
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 balance transfer

Complaint:
On XXXX XXXX I went to the JP Morgan Chase branch at XXXX XXXX XXXX XXXX, XXXX, New Jersey and applied for a refund of {$220.00} from my JP Morgan Chase Credit card. The branch manager spoke to XXXX the supervisor at JP Morgan Chase Credit card who promised overnighting the refund. But the check never arrived the next day or on XXXX XXXX so I returned to the branch. The branch manager again called JP Morgan Chase Credit and was told the refund check had been cut on XXXX XXXX and would be sent XXXX two-day delivery. I am still waiting for the refund. Today is XXXX XXXX! And this despite XXXX visits to the branch, XXXX or so letters to XXXX XXXX XXXX the XXXX and CEO of JP Morgan Chase, and many telephone calls. I was old by XXXX XXXX XXXX of the XXXX Office of JP Morgan Chase on XXXX XXXX that I would now receive the refund check in 7 to 10 business days. In other words, I will have waited well over 2 business week for the refund! Unacceptable business practice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
InXX/XX/2020 I parked my XXXX vehicle and in front of my brothers house in XXXX XXXX, NY to go on vacation. The car was reported as abandoned, ticketed, booted, and towed during my vacation. Also during my vacation, the COVID pandemic took hold of XXXX. Upon return, I tracked down the vehicle to XXXX XXXX towing in XXXX XXXX. I was informed it was a city tow and would need to be resolved with the city, they were unable to release. I contacted XXXX, I learned i would need to go to the DMV to pay fees. However, the DMV was closed due to COVID. 

From the months of XXXX through XXXX I kept in regular contact with XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX informing them I had not abandoned the vehicle, was simply unable to take the vehicle due to COVID pandemic. 

In XXXX, I made my call to XXXX to follow up as usual and they informed me the car was scheduled for repossession the next day. I arrived to the XXXX finance office that afternoon to see if there was anyway to get the car out of impound. I was told it was impossible without having it released by the DMV, which was closed. Unable to make any type of resolution with XXXX, XXXX XXXX, or XXXX, XXXX repossessed the vehicle. 

I promptly paid the repo fee as well as fees that XXXX charged XXXX for storage of the vehicle during COVID ( NY charged storage fees daily even though I was unable to get the vehicle back ). XXXX reported to credit agencies a repossessed vehicle. 

When I did not have the car, I did not miss a payment. I did not miss a payment when they repossessed, and did not miss the subsequent XXXX payment after I paid XXXX greater than {$2000.00} to get the car back. Despite my loyalty and financial responsibility, XXXX is unwilling to remove the report as a repossession in XXXX. 

I have called XXXX, wrote the credit agency with XXXX, and disputed with the bureaus. XXXX continues to refuse to change the mark in XXXX from repossession to paid, despite a positive payment being made that month.

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 2021-05-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I CONTRACTED with Home Depot through my Credit Card last XXXX digits of credit card XXXX XXXX see attached ) To REPLACE MY AC UNIT, INCLUDING ALL MATTERS OF INSTALLATION. 
Home Depot subcontracted XXXX from XXXX, Ohio to do the job. 
THEY DID NOT COMPLETE THE JOB. 
I waited 30 DAYS for Home Depot to get XXXX TO FINISH THE JOB T H E Y D I D N O T So, I hired XXXX XXXX TO COMPLETE THE JOB THEN ASKED HOME DEPOT TO CREDIT MY CREDIT CARD THE EXTRA {$560.00} It COST ME TO FINISH THE JOB I CONTRACTED HOME DEPOT TO DO COMPLETELY WHICH HOME DEPOT DID NOT COMPLETE AS CONTRACTED.

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 2021-05-12
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and I noticed a collection for a company I didn't know. I call and spoke with a supervisor XXXX XXXX. Explain to her that the address I never lived there and I have been in the same residence for the past 3 years. I havent had a chance to see what is the collection is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XX/XX/XXXX a fraudulent inquiry was placed on my Transunion report. I contacted the bank XXXX and Transunion to have it removed. I filed a FTC report and mailed letter twice to Transunion with info they requested. I also have called XXXX 3 times each time they tell me they are or have sent information to Transunion to have it removed. To this date XX/XX/XXXX its still on my report. Pleas help me get this removed. Thanks

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 2017-10-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Provided by XXXX XXXX XXXX XXXX & XXXX claims XXXX XXXX XXXX XXXX XXXXXXXX  Claim numbers XXXX XXXX In Cfpb complaint no. XXXX president/ceo XXXX XXXX of XXXX XXXX XXXX stated that XXXX XXXX XXXX XXXX XXXX are the underwriter of the wells fargo transaction to XXXX XXXX XXXX/XXXX/XXXX. 

In XXXX XXXXXXXX response of cfpb # XXXX she stated that XXXX provided me a mortgage loan for XXXX on XXXX/XXXX/XXXX. I AM ABSOLUTELY SURE THAT MY MORTGAGE LENDER ON THAT DATE WERE XXXX XXXX AND MY SERVICER JP MORGAN CHASE TO ITS END. 

Also she states that XXXX conveyed the property to XXXX XXXX as XXXX. That also is not what happened on XXXX/XXXX/XXXX shows a quit claim sale for XXXX from XXXX to XXXX XXXX. 

Please clarify in writing of your role in this matter to clear up the confusion as other agencies keep describing your role without a written clear answer from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wish to file a complaint against Portfolio Recovery XXXXociates, LLC for reporting a fraudulent account on my credit reports. I noticed a fraudulent XXXX XXXX XXXX credit card account on my credit reports. I have never had an account with XXXX XXXX XXXX. XXXX XXXX XXXX did an investigation and ruled in my favor, that this account was fraudulently open. XXXX XXXX XXXX removed this fraudulent account from my credit reports. The letter I received from XXXX XXXX XXXX, is enclosed as an attachment. But Portfolio Recovery Associates, LLC the collection agency that purchased this account and listed it as a collection account will not remove this fraudulent account from my credit reports. 
The original creditor XXXX XXXX XXXX, determined I did n't open this account and that it was open thru fraudulently means and I am not liable for any charges related to this account. So Portfolio Recovery Associates, LLC is violating the FCRA by listing an account on my credit reports that does n't exist. Please make Portfolio Recovery Associates remove this fraudulent account from my credit reports. They are knowingly and willfully violating my consumer rights and the FCRA. The letter from XXXX XXXX XXXX is enclosed as an attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-28
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt on my credit for {$1400.00} which was due to XXXX XXXX but I guess they sent it to XXXX XXXX XXXX XXXX credit says it was opened XXXX/XXXX/XXXX. This is not my bill. I have the same company for at least 10 years and never had XXXX. I called XXXX they tried to find account with my name and then then I told them my last 4. Needless to say there was no match. So that means the person used my social security number with fake name. This is on the XXXX and not XXXX ; well at least not yet. I really need this off of my credit. So this XXXX breach has impacted my credit, and I am trying to get a house. Now I have to put it on hold. I am a working class wife and mother of XXXX. Everyone check your credit on a regular.

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